First Federal Credit Control, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32812	Web
XX/XX/XXXX AFFIDAVIT OF LEGAL NOTICE AND DEMAND TO VALIDATE DEBT CLAIM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA [ XXXX ] To : FIRST FEDERAL CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX PHONE : ( XXXX ) XXXX FAX : XXXX This is an offer to fully pay/discharge the attached claim of debt on the condition that the claiming parties comply with this notice within 30 days of receipt of this correspondence. NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASIGNS ********************SILENCE IS ACQUIESENCE********************* NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. Seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : 1. The name and address of the organization or other governmental unit alleging a debt ; 2. The name and address of the person or persons in that organization or other governmental unit alleging a claim of debt ; 3. The name of the actual creditor even if that is myself ; 4. The origin of the funds used to create this alleged claim of deb t 5. The actual records of the organization or other governmental unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. 6. The actual records of the organization or other governme ntal unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt. 7. The actual records of the organization or other governmental unit with a LIVE signature on any and, all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by similar name. 8. Be advised that verification is defined ( XXXX Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. 9. The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 -1601 et. seq and Regulation Z. 10. The actual records of the organization or other governmental unit showing that any, and all documents /instrument ( s ) containing my signature or likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. 11. The person that prepares and swears to the validation of debt must describe:1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) How long have you been in your position ; 4 ) When did you first come in contact with the alleged account/debt ; 5 ) How frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; and 7 ) Do you have personal knowledge about the alleged debt and/or any alleged account. 15 U.S.C -1692 ( e ) states that a false, deceptive, and misleading representation, in connection, with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice. Pursuant to 15 U.S.C -1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collections Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities. This is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any, and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each, and every attempted contact, in violation, of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any, and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and, every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and /or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt. Further, pursuant to the Fair Debt Collection Practices Act 15 U.S.C 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal or holder in due course, for whom you are attempting to collect this alleged debt. Please take notice that this legal notice will be forwarded as a criminal investigation of the business practices of the above, named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your claims of collection of a purported debt appears to be founded upon a false record in violation of U.S.C Title 18 -2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C Title 18 -471,472,473and or 513, and further using corrupt business practices to make and possess false records and claim if obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C Title 18 1961 et.seq and further using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C -1341 Frauds and Swindles laws, and further sending mal with false and fictitious names, criminal conduct falling under Title 18 U.S.C -1842 Fictitious Names. XXXX XXXX XXXX XXXX ALL INFORMATION WILL BE FORWARDED TO THE FLORIDA INSPECTOR GENERAL OFFICE AND IRS CRIMINAL DIVISION TO INVESTIGATE ( FIRST FEDERAL CREDIT CONTROL ) UNDER THE BANKING SECRECY ACT AND THE PATRIOT ACT UNDER AS WELL AS ALL MONEY INSTRUMENT TO BE DISCLOSED. TAKE NOTICE FIRST FEDERAL CREDIT CONTROL failure in providing respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act, Banking Secrecy Act, Patriot Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : a. Debt collector has no lawful, bona fide, verified claim, re the listed accounts : ACCOUNT # XXXX XXXX. Debt Collector waives any, and all claims against respondent C. Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any, and all continued collection attempt s, re the above-referenced alleged accounts. D. Failure of Debt Collector to properly and l egally verify/validate alleged debt as required in this notice us a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any, and all references to said accounts in any, and all credit reporting agency files of any type. This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure on and for the official public record with a signed affidavit attached is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be valid, honest contract See XXXX V XXXX XXXX XXXX XXXX XXXX Furthermore Title 12 U.S.C -411 Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose, of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of XXXX, XXXX XXXX XXXX, or at any Federal Reserve bank. PLEASE TAKE ADDITIONAL NOTICE All responses must be done on and for the public record and must be signed with a wet ink signature in the format of an affidavit with a public notary seal affixed ALL OTHER FORMS OF COMMUNICATION WILL BE NULL AND VOIDED and will be used a prima facie evidence in any, and all legal recourse I so choose to take as the authorized representative for XXXX XXXX XXXX CC : FLORIDA ATTORNEY GENERAL CC : BBB CC : HHS.GOV
03/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33068	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. FIRST FEDERAL CREDIT bal. {$370.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX Iowa XXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
03/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33068	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. XXXX XXXX XXXX bal. {$1800.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
08/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 339XX	Web
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days. I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me. Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice. The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files. 1. XXXX XXXX XXXX XXXX bal. {$320.00} 2. XXXX XXXX XXXX XXXX bal. {$320.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
12/02/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33157	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. FIRST FED CREDIT CONTROL & {$110.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
03/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33916	Web
XXXX, XXXX and XXXX continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company. a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
07/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 44094	Web
I HAVE CONTACTED FIRST FEDERAL CONTROL REGARDING SEVERAL COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I SENT A CERTIFIED LETTER TO FIRST FEDERAL CONTROL REQUESTING VALIDATION NOT VERIFICATION. FIRST FEDERAL CONTROL DID NOT SEND ME ALL THE DOCUMENTATION THAT I REQUESTED ALSO I STATED THAT IF THERE IS ANY NEGATIVE MARKS ON ANY OF THE 3 CREDIT BUREAUS ( EQUIFAX, EXPERIAN, TRANSUNION ) THAT IT NEED TO BE DELETED WHILE IN DISPUTE. FIRST FEDERAL CONTROL IS A COLLECTION AGENCY AND NEED TO FOLLOW THE FCDPA LAWS NOT THE FCRA LAWS. THE LETTER I SENT CERTIFIED TO FIRST FEDERAL CONTROL STATES : To Whom It May Concern : First Federal Control Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC1692gSec. 809b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report unvalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request with 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged creditor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for First Federal Control in case legal action become necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards XXXX XXXX Cc Federal Trade Commission I ASKED FOR ALL THE DOCUMENTATION ABOVE AND FIRST FEDERAL CONTROL DID SEND ALL THE DOCUMENTATION REQUESTED. THESE 4 ACCOUNTS THAT FIRST FEDERAL CONTROL HAS PUT ON MY CREDIT REPORT DO NOT BELONG TO ME AND THEY ARE DUE TO IDENTITY FRAUD.
01/07/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32808	Web
Collection XXXX This letter is being sent to you as a follow up on my previous validation request sent to your offices. Please note as well that my prior correspondence was signed for by your offices, so I know that you are in receipt thereof. You have failed to comply with my prior request, and as such are in violation of Title 15 U.S.C. 1692g, which requires you to, '' cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) of this section unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. '' I am also demanding validation of the following data DATE OPENED XX/XX/2019 this is not the date of the incident. They are in violation of the FCRA, and FDCPA. I have attached the case US VS XXXX, they are violating this specific part of the FCRA, and FDCPA! Amount Owed {$1300.00} : This company is a XXXX debt buyer, there is no proof under FDCPA, and FCRA that the amount owed to them is the amount they bought it for! Date of last activity : XX/XX/2019 there has been NO activity on this account to reset the clock, and this information is incorrect. This collection account was opened within the 6-month window I have to negotiate with the medical provider. License to collect : this collection XXXX company is not licensed to collect in the state of FL. They violated my HIPPA rights by obtaining a copy of my hospital records in the form of a breakdown of an itemized bill showing my diagnosis. In light of your failure to provide any response to my prior letter, you should accept this letter as my demand that you provide me with competent evidence that I have any legal obligation to pay you. Additionally, you should also take note that if you have reported inaccurate information to any of the three major credit bureaus ( XXXX, XXXX or XXXX ) such reporting may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate to commence legal action. Notwithstanding the above, if you provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel regarding commencement of appropriate legal action. Improper activities by you may include listing any information to a credit reporting repository that is inaccurate or not capable of being validated. If your offices fail to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. It would be advisable that you and your client assure that your records so I am not forced to take legal action. I HAVE OBTAINED LEGAL COUNCIL REGARDING THIS MATTER! XXXX XXXX XXXX - XXXX of XXXX XXXX XXXX. IF YOU FAIL TO COMPLY, WE WILL BE FILING SUIT AGAINST YOU FOR VIOLATION OF THE FCRA Best Regards,
05/03/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	OH 44134	Web
This correspondence is in lieu of the fact the company has yet to complete a full validation of debt. I requested the following to be completed and to date they are not : 1. The agreement which authorizes the creditor to collect debt on the alleged debt 2. The signed agreement from the debtor conforming to pay the creditor 3. The documents regarding the payments made on this account validating the amount. 4. Documentation showing you are licensed to collect debts in Ohio. This is still showing up on my credit report although I do not have full validation of debt. The alleged debt needs to be removed immediately and expedited. The company needs to be advised that the billing is questionable, disputed and after reviewing this, it appears to be not owed to the best of my knowledge. In addition, this company has made me feel threatened, using violations and has used threats of calling the cops, therefore it is very difficult to remedy this issue alongside causing severe stress to my health. cc below my initial concerns and requests : First Federal Credit Control XXXX XXXX XXXX # XXXX XXXX OH XXXX XX/XX/18 Re account : XXXX To whom this may concern, This letter is to inform you that I still do not have any validation of debt, however this still remains on my credit report. This needs to be removed immediately and expedited. This is a clear violation, in addition to this violation, we have at hand the fact that First Federal Credit Control threatened to call the cops on me. This is all due to an alleged debt that still remains on my credit report. This means of intimidation and threats is unacceptable by the FDCPA. Please note these threats are a violation that is remedied by a {$1000.00} payment. You need to rectify and remove this alleged debt from my credit report immediately. CC below my initial complaint with official VOD demand. I was going through a copy of my credit report and noticed that there was a collection from your agency on my credit report, which I was not notified about. I dont refuse to pay, but this is a notice that your claim is disputed. In accordance with the FDCPA, I have the right to request for a validation of my debt. This is asking for proof regarding this and verifying the same. You must be aware that reporting such inaccurate information will result in defamation of character and it would leave a dark patch in my credit report. You are supposed to stop all collection activities, including reporting this information on my credit report. I am sure you are aware of the fact that non-compliance with this request will lead to legal trouble. Please attach copies of the following with the reply : 1. The agreement which authorizes the creditor to collect debt on the alleged debt 2. The signed agreement from the debtor conforming to pay the creditor 3. The documents regarding the payments made on this account validating the amount. 4. Documentation showing you are licensed to collect debts in Ohio. Because I am writing you within 30 days of becoming aware of this debt, you must cease attempting to collect this alleged debt until after you send the requested information. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping records of all correspondence from you and your company, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX. I have disputed the debt, therefore until it is validated your information concerning this debt is assumed to be inaccurate. Accordingly, you must inform the Credit Bureau immediately and any other credit reporting agency of my dispute of this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681 s2. Finally. If you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also ware that I dispute this debt. This is an official VOD demand.
12/29/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33157	Web
I had an initial medical consult with my Doctor who was part of a practice that had dozens of doctors on XX/XX/XXXX and a minor procedure done by her at her office on XX/XX/XXXX. I had XXXX insurance at the time, however, I planned to pay the entire bill out of pocket because it was under {$1000.00}. Weeks later I got a call from the billing dept. asking for payment and I told them to send me the bill to my mailing address since I did not receive mail at my home address ever ( lived there from XXXX ) and I have never been able to receive US mail there because the distance from the road to my house was too long for XXXX to XXXX and I could not put a mailbox by the road. Months went bye and I never received a bill. Since the doctor was a personal friend, I assumed it was taken care of between insurance and that she discounted the balance and never really thought about it again. XXXX XX/XX/XXXX, I get notice from XXXX XXXX XXXX that my personal checking and savings accounts were closed by the bank for a reason they refused to tell me and that cashiers checks were being sent to my mailing address for the balances. Several days later, my personal credit card from XXXX was declined, I called to ask why, they said my auto payment from XXXX checking account bounced. I gave them new bank acct information and paid them from another bank. Then the credit card was released for use since the payment for the monthly balance went through immediately. Two days later the XXXX credit card ( mastercard ) was closed by XXXX and they sent me a letter saying I had derogatory information on my credit report and I could get a copy from XXXX to see what it was. On the Credit report it showed 4 separate collections entries from First Federal Credit Control from XXXX Ohio. All 4 were for non payment from XXXX ( the doctor 's office ) " Collection Reported on XX/XX/XXXX ; Assigned XX/XX/XXXX '' All 4 had the same dates associated with them. One was for {$71.00}, One was for {$130.00}, One was for {$52.00}, One was for {$99.00}. I called them yesterday on XX/XX/XXXX and asked what these were for and they said they were 4 different medical insurance claims and because they were actually {$99.00}, {$52.00}, {$130.00}, and {$70.00}, ( each had some # of cents ), they must have been insurance breakdown charges. I told them they had no right under Florida to create 4 separate collections entries on my credit report out of that bill. They said something to the effect of they have been operating for many decades and they would know if it was not in compliance with the law. I also called the doctors office which is now under a different management company name but same billing department people. I spoke to them and told them they never sent me the bill because the person who I spoke to in XXXX was obviously lazy and didn't bother sending the bill to my mailing address as I requested. I told them i need a copy of the bill so I can see if it was the doctor 's office that improperly broke it into 4 separate bills ( I doubt ) or if it was the collection agency who uses that as a tactic to put more pressure ( 4 collection debts instead of 1 ), which ended up ruining my credit and causing a cascade of problems as all automatic ( ACH & electronic payments ) against both my checking account and my credit card account started failing in XXXX after they were closed. As of today, I still have never received my bill from my doctor 's office and I need it to determine who engaged in this predatory collection tactic in violation of Ohio ( ORC ) Section 1319.12 ( G ) - compliance with Federal Fair Debt Collection Practices Act of 91 Sta 874 ( 1977 ), 15 U.S.C. 1692 as amended - subsection 807 ( 2 ) A - " false or misleading representations '' regarding the " character '' of the debt. and subsection 808 ( 1 ) " Collection of Amount unless " such amount '' is expressly authorized by " the Agreement creating the debt or Permitted by Law '' Please help, my credit is destroyed because they never notified me.
07/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34952	Web
I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
06/07/2017	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	FL 33313	Web
I have recently encountered a collection agency by the name of First Fed Credit Control on XX/XX/XXXX that I believe belittled, berated me and downright disrespected me. I happen to be checking my credit report because I am in the process of trying to buy a home and I noticed my score dropped due to this collection agency so I called them to see if I could get this matter resolved. So, I informed the representative XXXX XXXX that I noticed this on my report and that I was in the process of trying to buy a house and wanted to get this resolved told her the bill was from XXXX and I had no knowledge of it but I did want to get things resolved, I asked the representative for a settlement she then stated to me it appears I am not in a hardship because I am buying a house and that doesnt seem like a hardship to her. I then went on to tell the rep I could not afford the whole thing I am XXXX and a single mom of XXXX and that I can hardly afford the house and that I was getting down payment assistance so I did not have the funds. She then said how dare I call them asking for a settlement and that I should pay my bills we then begin to exchange words because at this point I felt like she was just being rude. I said I was going to talk to my lawyer about this because I felt it was not right the way she was talking to me she pretty much exploded asking why am I calling a lawyer its my debt nothing is going to happen about it I need to pay it and at this point she is just yelling things at me. After us exchanging words for a few I asked for her supervisor she transferred my call and I spoke to the supervisor who was a little nicer but still a little snippy at this point I was telling the supervisor how I was treated and told her it wasnt right for me to get disrespected especially when I was just trying to get things resolved. The supervisor didnt care and pretty much just wanted me off the phone didnt apologize at all for the way I was treated she even stated they are not customer service based they are a debt collector. I called back the next day because I was still in awe of all that transpired but I needed a fax number as well as the previous reps I spoke to information because I wanted to file a complaint on the way I was disrespected they gave me that information and I said I was going to contact the Attorney general, The BBB as well as the FDCPA the rep then said to me make my complaints they will answer any and dont call there office anymore and hung up on me. I called back and stated someone just hung up on me can I speak to a supervisor she then said no one in our office will speak to you and hung up on me again. I then called back asking for an account number as well as a balance and they told me unless I am calling to make a payment dont call, told me I should have better things to do with my day then calling them if I am not paying the bill. This whole ordeal has turned into a nightmare over {$300.00} all when I just wanted it resolved but I refuse to be disrespected or talked to any kind of way I dont think its right and the fact that Im buying a house discriminates me from getting a settlement which seems odd to me because they dont know my situation I am trying to get assistance from HUD because I am low income. I just think something needs to be done because if they treated me that way I can only imagine how many others they have done the same way I am human and we all have things that we dont mean to happen but they do, but talking to me less then and dehumanizing me and then saying I need to pay or dont call doesnt make me feel comfortable with giving someone my money. I never in life have experienced this type of treatment from a place of business I have dealt with collection agencies in the past and this by far makes me never want to contact one again this has been a complete nightmare.
12/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44137	Web
I have repeatedly tried to fix this problem with First Federal Control FFCC. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. cc Federal Trade Commission I have not received none of the information I requested.
06/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33837	Web
I was a victim of Identity Theft, and upon review of my credit reports, noticed four collection accounts listed under First Federal Credit Control with the original creditor named XXXX XXXX XXXX XXXX Florida. After reviewing this information, I supplied written notice to First Federal Credit Control that the debt was a result of Identity Theft. I asked that they provide me with validation of the debt, stop collection proceedings of the debt, stop contacting me about the debt, and to delete items reported to any credit reporting agencies. I received a response via US Mail, in which First Federal Credit Control provided a single-sheet billing statement as validation of the debt. According to the FTC this is not proper validation of a debt. There were no signed applications or other documentation to state they had a right to collect this debt. I mailed a second response stating that the accounts were indeed a result of Identity Theft, and asked that they take immediate steps to stop collecting the debt, notify the original creditor, and remove any information they furnished to a credit reporting agency. A representative, XXXX XXXX, contacted me via phone from First Federal Credit Control on XX/XX/2019 to notify me that she was in receipt of my ID Theft Report, and she also stated that the Original Creditor has their own process for disputing debts resulting from ID Theft. I asked XXXX for the creditors contact information, and she replied that she did not have that information to provide and that I should just XXXX their name. She stated that they were collecting the debt on behalf of the creditor and that First Federal Credit Control did not own the debt. She stated there was nothing she could do and for me to contact them directly. XX/XX/2019, I contacted First Federal Credit Control and again spoke to XXXX to see if I could get some clarification on the debt and why they were unable to help. She stated that because all of the information in my ID Theft Report matched their records, there was nothing she could do and directed me yet again to contact the original creditor. I stated that I did a search and multiple-like name came up in a search, and that I didnt really have time to go through each of them. She stated they had a PO Box but that most likely wouldnt help me because its probably just a lockbox for payments. She stated that she was able to pull them up on XXXX, and when I asked for the information she pulled, she again stated that I should just XXXX the name because thats most likely the information that I need. She stated that my social security number matched their records according The the ID Theft Report I provided for research. This is a false statement because I never supplied my social security number to their agency. I was able to locate the contact information for the original creditor, XXXX XXXX XXXX XXXX Florida. I spoke to their billing department as directed, and I was informed that the debts had been charged off and sold to First Federal Credit Control, meaning they owned the debt, and I was advised that the collection agency was never advised that I must follow a different procedure as First Federal Credit Control owns the debt, not the original creditor. First Federal Credit Control is attempting to : .Collect on a debt without proper validation, no signature, or no agreement that they had to collect the debts on behalf of the creditor .Inaccurately reporting information to a credit bureau that was a result of Identity Theft, and harming my reputation for refusal to remove that information from my credit files. Making false statements to mislead a debtor hoping I would give in and just accept they were not going to take the actions that I requested them to make.
08/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 328XX	Web
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX FIRST FEDERAL CREDIT C XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, EXXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
12/11/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10128	Web
Subject : Formal Complaint Against First Federal Credit Control , Inc. - ( Account Ref XXXX ) Dear Sir/Madam, I am writing to file a formal complaint against First Federal Credit Control , Inc. for predatory medical debt collections practices. Issue : First Federal Credit Control , Inc. ( FFCC ) contacted me on XX/XX/XXXX and claimed that I owed a medical bill which I disputed. Subsequently, I asked for more information, followed up with FFCC when I did not hear communications from them, and then was falsely reported to the credit agencies by FFCC for not paying a medical debt. I believe FCCs behavior is unacceptable. Their behavior is not in compliance the Fair Debt Collection Practices Act ( FDCPA ) and violates my rights as a consumer. Detailed Timeline : Wednesday, XX/XX/XXXX : I received a letter in the mail from FFCC that claimed I owed a medical bill. I strongly told the agent on the call, XXXX XXXX, that I was in no way responsible for this medical bill and I wanted to gather all the information to explain why. XXXX XXXX said that I needed to send a request in writing which I sent to XXXX XXXX immediately after our phone call. ( request email attached ). I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the alleged debt on account Ref XXXX, which I disputed for lack of verification and adequate documentation. To date, I have not received any response or the requested substantiating information. Thursday, XX/XX/XXXX : I received an insufficient itemized bill via email from XXXX XXXX. Monday, XX/XX/XXXX : I sent an email to XXXX XXXX and FFCC disputing the alleged debt for Lack of Verification and Documentation and formally requested evidence validating the debt including, a detailed account statement and proof of the original creditor. Sunday, XX/XX/XXXX : I sent an email to FFCC and XXXX XXXX after not hearing a response from them for 30 days stating that the absence of a response from FFCC is taken to be understood that the medical debt is invalid and unenforceable. Thursday, XX/XX/XXXX : I received notification from my credit monitors that there has been a report to the credit agencies from FFCC of an unpaid medical debt. XXXX XXXX I emailed FFCC and XXXX XXXX explaining that I repeatedly asked for more information, and they continued to ignore me. I asked them to remove the notification and verify the removal within 48 hours. XXXX XXXX I finally received a communication from XXXX XXXX after over 2 months of being ignored and the email said, Good afternoon XXXX, you received the itemization on XX/XX/. Pay your bill and we can remove it off your credit report. The actions of XXXX XXXX and FFCC have been finacnily and emotionally damaging. I have a nearly stellar credit score and as a sole propeitor that is vital for my access to credit and reputation amongst lender relationships. The FFCC has cost me an unacceptable amount of time and energy. I have tried to communicate and work with them to resolve this issue and they have chosen to treat me like someone who they have autonomos power and control over. I am formally requesting the help of the CFPB to utilize its resources to help me resolve this issue with FFCC and I would also like to request the CFPB launch a formal investigation into FFCC as the way they treat the average consumer is both alarming and concerning.
11/16/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 32701	Web
I received a debt from XXXX XXXX XXXX XXXX back in XXXX of XXXX and since this was during XXXX XXXX I was informed the debt would be removed. I NEVER HEARD FROM THEM BY A MEDICAL COLLECTION BEING PLACED ON MY TRANSUION XXXX AND XXXX CREDIT REPORT!!!!!!! I NEVER Received any validation or correspondence with my legal rights to dispute that I owe this debt. IN PURSUIT OF 15 USC 1692 G WHICH CONGRESS CREATED FOR ME and SAYS show me that I OWE THIS COLLECTION AGENCY ANY MONEY AND HAVE THE RIGHT TO PLACE SOMETHING ON MY CREDIT REPORT. THIS IS ILLEGAL. I am allowed under the XXXX law ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( XXXX XXXX XXXX XXXX ) for them to release my medical information to a third party. I understand that the XXXX does allow for limited information about me, but any details XXXX only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization to formally advise you that I believe your company has violated my consumer rights in the following ways. - Failed to validate a debt at consumers request- XXXX violation - Continued to report a disputed debt to the XXXX XXXX violation XXXX Continued to attempt to collect a disputed debt- XXXX violation Not only have you ignored my prior requests for validation of debt ( I have mailed in letters to validate this debt ), but you also continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 and please provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature -License proof to collect debts in my state - Please provide a copy of my signature with the provider of service to release my medical information to you As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. I expect to receive proof requested above, within XXXX days of this letter. Should you continue to ignore my request for this validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted. What I have received from XXXX is not validation / verification of debt for these two accounts. Notice violations under the FCRA might occur when : a creditor fails to notify you when it supplies negative credit information to a CRA. I have sent this letter to the following companies listed below for assistance with resolving this matter Kind regards, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32811	Web
I have been trying to get this issue resolved for several weeks now. I have contacted XXXX XXXX back on XX/XX/XXXX and the office took my message and info, and stated someone would call me back which has not happened. I also have left several messages on the recording of the billing department and has not yet received a call back either. I called today XX/XX/XXXX to XXXX XXXX XXXX and finally spoke to XXXX who was very pleasant and who advised I had a past due balance of {$68.00} due from a previous insurance deductible back in XXXX which I never knew I had because I had appointments after this, it was never mentioned or neither was I given any correspondence. She also stated it had gone to collections years ago which is why it showed that I did not owe anything and had a {$0.00} balance " in office ''. I called XXXX XXXX and spoke with XXXX who advised they are working " off site '' ( working from home ) and someone by the name of XXXX will be contacting me. She also stated XXXX would be contacting me from a " blocked number ''. I provided my work phone number of XXXX and asked that this number does not be used for collection purposes. I am very skeptical about paying this because 1 ) .what company calls from a " No Caller ID '' or " blocked number '' and 2. ) by law any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : -The name of the creditor and amount owed -That you can dispute the debt and that if you dont dispute the debt WITHIN 30 days the debt collector will assume the debt is valid -That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt -That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. My aunt advised me to have the collection debt to be verified and to also ask for a pay to delete so it could be taken off of my credit from all credit bureaus before paying in which I did ask XXXX XXXX from First Federal Credit Control to provide. XXXX stated they do offer pay for delete, however I would not be able receive this in writing until the balance is paid. She stated she spoke with me in XXXX which I stated was not true and asked that she also provide proof of this conversation. I also received the following response from First Federal Credit Control : We are a third party collection agency collecting on behalf of the creditor as a business associate. They are permitted to provide us with the information so we can collect the debt on their behalf. We are not required to provide proof of a conversation. When the account is cleared up we can remove and report it back to our client. Do to the request in this complaint we will send Ms XXXX the verification of charges. The account is marked as disputed with the credit bureaus.
01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32746	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' First Federal Credit Control is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' First Federal Credit Control, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and First Federal Credit Control, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' First Federal Credit Control never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of the above mentioned companies reporting services.
07/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	GA XXXXX	Web	Older American
XXXX : First Federal Credit Control/and XXXX XXXX XXXX : XXXX XXXX XXXXTHIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 XXXX b ) that your claim is disputed and validation is requested. Upon recent review of my credit report, FIRST FEDERAL CREDIT CONTROL- XXXX Credit Report : Account 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account 2 ) # XXXX - XXXX. XXXX XXXX, XXXX OH XXXX Collection agencies are reporting that I owe the above creditor XXXX Car Rental a debt. I am in dispute of this unfair debt collection practice and inaccurate billing dispute. How could I possibly owe XXXX of these creditors for the same exact debt? XXXX Re : XXXX Car Rental ) As per this rental, this was an insurance claim, paid in full by my Insurance with : XXXX INSURANCE- PLEASE CHECK YOUR RECORDS CAREFULLY. Upon return of my rental the agent on duty never advised me or called me to discuss with me THAT I HAD A BALANCE/ OR gave me an opportunity to actually DISPUTE the issue. I am requesting that you investigate this illegal deceptive practice and verification of this questionable debt collection agency/or agencies. I NEVER RECEIVED ANY NOTIFICATION OF THIS DEBT or a description of what I owe this money for. Apparently this is a scam ; this appears to be the same exact companies. This is an illegal Unfair practices. Debt collectors should not be allowed to engage in unfair practices when they try to collect a debt. For example, in this case, they should not identify themselves as different companies, when they are actually the same. Please investigate this matter. I do n't even know who these companies were until this account was turned over for collection. Could it be credit theft? I 'm not paying until I see an accurate billing statement. FUTHERMORE, " The FTC CLEARY points out, " Every collector must send CONSUMERS a written 'validation notice ' telling you how much money you owe within XXXX days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. '' I never received any notice. Subsequently, The FCRA also protects consumers from the misreporting of information on your credit report. If a debt collector or credit bureau reports incorrect or inaccurate account information, it is violating the FCRA. Examples of violations include failing to report that a debt was discharged in bankruptcy and reaging old debt to extend the statute of limitations. In this case, it is definitely apparent that a collection agency or Credit bureaus can most definitely mix up similar credit files and misreport information. Therefore a consumer, should have the right to dispute any information he/she may feel is not possibly reported accurately.
10/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34772	Web	Servicemember
YOUR COMPLAINT I have no idea what happened besides being these collection companies and not just one or for the same amounts serveral are being reported as late and its referenced on my credit report. I have called a few asking for all the details information never received documentation. I have tried to dispute these collections inquiries on my credit reports with XXXX and now as of today XXXX then was able to file with you guys. These collections are not valid. Please help me get this resolved. Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Collection Agency FIRST FEDERAL CREDIT CONTROL Original Creditor Name XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1200.00} Amount {$1200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact FIRST FEDERAL CREDIT CONTROL XXXX XXXX OH XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$580.00} Amount {$580.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1400.00} Amount {$1300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX
04/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 349XX	Web	Servicemember
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. I look forward to your immediate co-operation.
09/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30060	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 FIRST FED CREDIT CONTROL or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CONTACT # : XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX XXXX Credit Report still displays a fraudulent account and is the only credit bureau that has this alleged account underneath my name. I am writing to dispute the following information in my credit report file. I have attached serval documents to prove the fraudulent allegation put upon me. This is unfair the items I disputed on the attached copy of the report I received.The information on FIRST FED CREDIT CONTROL or KNOW AS XXXX XXXX XXXX with a balance of {$110.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. Sincerely, XXXX XXXX XXXX, Thank you
08/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33056	Web
On XX/XX/XXXX I sent certified letters to XXXX for two accounts listed on my credit profile. I mentioned that both the accounts werent mine. I also mentioned that the accounts seemed to be fraudulent erroneous and I sent in documents to present to show and the account was removed but following the next couple days the accounts were listed onto my credit profile. I believe that is completely violating my rights as a consumer and that could place this company or companies in jail for consequences of breaking and violating the law. I can show you how the company violated my rights. The account was placed on my account without my acknowledgment, I wasnt contacted by XXXX, XXXX nor any collections company. I stated and sent in certified verifying documents. You have now violated my rights through the FCRA the debt buyer or CRA have failed to comply with its obligations, I am able to sue for violations of the FCRA. I will be filing a lawsuit looking to get actual damages, punitive damages, and attorneys ' fees and costs of {$1000.00} per item. This is not a threat this is malpractice and violating my rights as a consumer through the FCRA and this matter will be taken up in court. I am only an intern dispute allowing less than 3 days for this matter to be completely and permanently removed and resolved. If you attempt to continue reposting these accounts I will be sure to contact law enforcement authorities, contact my attorney generals office, file more than one lawsuit. The two accounts that were listed and dates incorrectly stating that the account was opened in XX/XX/XXXX and in XX/XX/XXXX and it was recently removed. I pay close attention to my consumer report and I receive alerts on my credit file and keep up to date to assure fools like you guys arent trying to dismantle my life placing erroneous debt on my credit file to make my life a living XXXX. I will be sure to place this online so that consumers are able to view this via online. I will also be filing a complaint as well. XXXX XXXX XXXX XXXX, was changed to XXXX XXXX. It was placed on my credit by the same collections company and that is a violations. Look at the dates it was removed and how quickly this account was placed back onto my credit profile. Well lets put it this way, this seems like a criminal act upon the credit bureaus and collections company. There was never a document sent to me to verify XXXX. I kindly ask for any documents bearing my signature a few months ago. Youre also violating my rights within the HIPPA laws as well.
10/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33484	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX FFCC-CLVLAND XXXX FFCC-CLVLAND XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious FFCC-CLVLAND 17845839 FFCC-CLVLAND 17268268 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
07/15/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44122	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Notice for Proof of Claim Account : FIRST FED CREDIT CONTROL # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and MEDICAL-HOSP XXXX XXXX UNIVERSITY that gave you the right to collect this debt
06/25/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
I filed numerous complaints for First Federal Credit Control in regards to a account of {$800.00}. The collection agency has not presented any documentation as evidence that I legally owe this alleged debt. First Federal Credit Control has provided a itemization of charges which is not what I requested and also a signed authorization form to release medical records which also not what I requested. I requested a signed contract or instrument bearing my signature proving that I legally owe the debt. The collection agency responded stating that there is no provision in the FDCPA to provide the signed document. However, under the FCRA, section 609 ( a ) ( 1 ) ( A ), the CRA are required by federal law to verify- through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT-any and all accounts they post on a credit report. Also under the FCRA, unverified accounts must be removed and if the copy of verifiable proof is not able to be provided, they must remove the account. I have been requesting a contract bearing my signature because it is by federal law that one is verified by the CRA to prove that I legally owe the debt. If a signed contract can not be presented to me then one will need to be presented to the CRA by law. If a signed contract can not be provided to CRA then this account needs to be removed under the FCRA. The collection agency has already openly admitted to not having a signed contract to legally prove that I owe the debt but refuses to remove the account which violates the FCRA. Under the FDCPA it states that collectors are not allowed to give inaccurate information about the consumer. I filed numerous complaints about the CA providing inaccurate and incorrect information previously presented to me in a form of a invoice. However, the account was still not removed for its inaccuracies but instead changes were made to make me the only party involved which violates the FDCPA. The collection agency has been non compliant with my requests. They violated HIPAA by presenting documentation including my mother who has no relationship to this account. They violated the FDCPA by presenting documentation with inaccuracies and also violated the FCRA by not having a signed contract bearing my signature. As a consumer I still have rights to privacy and fair practices.Collectors must abide by the FDCPA and are not allowed to treat consumers in any way that is unfair.
04/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33025	Web
XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT : FIRST FEDERAL CREDIT Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious FIRST FEDERAL CREDIT I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
10/13/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32812	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX FIRST FEDERAL CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX : Acct # XXXX To Whom It May Concern : This is my Final attempt to try to remedy this situation. regarding your response, i will file a small claims court in my local state against your company. This letter is in response to your recent claim regarding Acct # XXXX which you claim I OWE YOU XXXX. By not replying in a timely manner to my initial letter on XXXX/XXXX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act XXXX including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act XXXX including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau, Cc : Attorney General 's Office Cc : Better Business Bureau
01/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33463	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX FIRST FEDERAL CREDIT C XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious FIRST FEDERAL CREDIT C XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
04/11/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 32825	Web
This is in response to the CFPB your company provided to me and the lack of validation pursuant 15 USC 1692g I received in my mail. To whom may concern I contacted the Attorney General of Florida, I reported the fraud from your company with the FTC. If you default again I will contact the XXXX XXXX XXXX XXXX, file a police report due to Identity theft by your company and File a complaint with the Better Business Bureau. Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified CFPB complaint under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, 15 USC 1692 ( g ) Section 806 ( 5 ) ) you proceeded to mail a simple statement which is NOT considered a " validation of debt '' by any means. You may wish to familiarize yourself with what is required when validating a debt. ( you failed to provide me with the 5 things pursuant 15 USC 1692 ( g ) ) Your office also proceeded to contact me by the credit bureaus after the delivery and acceptance of my certified cfpb complaint I made online. Contacting a person after a cease and desist can lead to serious trouble for your agency including damages of up to {$1000.00} per incident. You may wish to familiarize yourself with what communication means. Pursuant 15 USC 1692 The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. You are conveying information regarding a debt to a third party company ( credit bureaus ) which is also another violation pursuant 15 USC 1692c ( b ). I highly doubt that this debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. Please be advised the demands in the cease and desist were not met. Attached with this complaint an affidavit of truth, Exhibit B marking each violation from your company, and all previous attachments sent to your company. I will create an invoice in the future for damages of up to {$1000.00} per violation in case you default again with my remedy.
02/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 441XX	Web
First Federal Control Control ( FFCC ), ACCT XXXX, is erroneously reporting that I owe {$25.00} for doctor 's visits for a total of {$75.00}. I have spoken to two supervisors at FFCC and one clerk, XXXX, who have ignored my requests that they verify the information that they are adversely reporting to credit bureaus, but to date, they have refused to do so. The problem is that for three different dates of service, XX/XX/XXXX, XX/XX/XXXX, and XXXX, I visited my doctor 's office and immediately paid my {$25.00} co-pays for each visit, as mandated by the doctor 's office. I was informed that the doctor 's office, however, failed to bill my insurance company for each date of service. Instead, they sent the three bills to collections. Initially, the amount owed was more. After having several conversations with the physicians billing dept., the physician 's office finally billed my insurance and received payment in full from my insurace company. My co-pays were paid in full at the date of service for each visit. FFCC adjusted their collection amount to {$25.00} for each date of service and have not confirmed with the physician 's billing services that THE PHYSICIAN 'S OFFICE ACCEPTED PAYMENT, REMOVED THE ACCOUNTS FROM COLLECTIONS AND HAVE BEEN PAID IN FULL, THUS TERMINATING FFCC 'S INVOLVEMENT ALTOGHETER. I have spoken with XXXX, who works in the Escalations Dept at XXXX Hospitals Physician Billing Services, XXXX. On multiple occasions, she has informed me that she has not only CALLED FFCC and told them to REMOVE THE ACCOUNTS FROM COLLECTIONS. She also confirmed on those several occasions that the accounts ARE PAID IN FULL.. I do NOT OWE ANY MONEY ON THESE THREE ACCOUNTS, XXXX Patient Account No. XXXX. I called FFCC on XX/XX/XXXX and informed them of the same. They were uninterested in making the corrections to my account and unconcerned that they were misreporting debts on my credit report that I DO NOT OWE. I want the debts deleted from my credit report and I want sanctions brought against FFCC for misreporting.
02/28/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32810	Web
I CALLED IN TO NEGOTIATE A SETTLEMENT THE ENTIRE STAFF IS UNPROFESSIONAL THE FIRST PERSON I SPOKE WITH HAD TO LOOK ME UP BY LAST NAME 3 TIMES CALL TIME ALREADY AT FIVE MINUTES SHE MADE A SMART COMMENT BECAUSE I PHONETICALLY PROVIDED THE SPELLING YET THE OTHER TIMES SHE HAD NOT FOUND IT AND IMMEDIATELY THREATENED THAT SHE WOULD TERMINATE CALL SHE THEN FAILING TO PROVIDE HER NAME AFTER MY REQUEST AS SHE WANTED TO PREVENT HER NAME BEING MENTIONED IN ANY TYPE OF COMPLAINTS SAID SHE WOULD PASS ME TO XXXX IM ASSUMING HER FRIEND IN HOPES THAT XXXX TOO WOULD SHARE IN HER DISDAIN FOR ME I ASKED XXXX FOR THE PREVIOUS REPS NAME AND SHE RFSD TO PROVIDE I TOLD HER THAT THE REP HAD BEEN NASTY TO ME AND SHE THEN HUNG UP I CALLED BACK AND WAS THEN TRANSFERRED TO XXXX WHO IMMEDIATELY HAD A BIASED OPINION BECAUSE OF THE NOTES BY XXXX SHE THEN TOLD ME I WOULD ONLY QUALIFY FOR A 20 % OFF OF THE BALANCE AS A SETTLEMENT. I ADVISED HER THAT THIS RESPONSE WAS ONLY PROVIDED BECAUSE OF MY PREVIOUS CONVERSATION AND THAT THIS WAS DISCRIMINATORY IN NATURE SHE THEN SAID IF I PAID THE SETTLEMENT SHE WOULD NOT REMOVE THIS ITEM FROM MY CREDIT AT THAT POINT SHE HAD BROKEN THE FDCPA AND I ADVISED HER THAT SHE WAS TREADING DOWN A SLIPPERY SLOPE AS I AM AN INFORMED CONSUMER AND THEN SHE SAID I CAN NO LONGER HAVE A SETTLEMENT AND I COULD NO LONGER PAY AND THIS WOULD REMAIN ON MY CREDIT FOREVER AND TERMINATED THE CALL YET AGAIN. I AM MAKING THIS COMPLAINT AS THIS ILLEGAL ACT AND PREVENTION OF ME REMOVING THIS FROM MY CREDIT SHOULD BE PUBLIC KNOWLEDGE AND THE LEADERSHIP TEAM OF THIS COMPANY SHOULD BE AWARE OF THE ILLEGAL VERBIAGE IN THE USE OF THEIR COLLECTORS AS WELL AS THE FACT LETS FACE IT THEY REFUSED THE MONEY ISNT THAT THE SOLE PURPOSE OF A COLLECTION AGENCY I HOPE THAT CREDITORS THINKING OF PLACING THEIR BUSINESS WITH THIS COMPANY WILL SEE THIS COMPLAINT AND THINK TWICE I WILL ALSO BE FILING COMPLAINTS WILL THE OTHER AGENCIES PROTECTING MY RIGHTS IE ATTORNEY GENERAL AND CFPB
10/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32907	Web
FIRST FEDERAL CREDIT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FIRST FEDERAL CREDIT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FIRST FEDERAL CREDIT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
12/14/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44011	Web
My complaint is against First Federal Credit Control , INC. They apparently sent me a notice on XX/XX/XXXX about a medical bill that is owed to one of my XXXX. The amount is for {$140.00}. I do not remember receiving the notice, but I do have a notice they sent me on XX/XX/XXXX. Nowhere on that statement does it state that it was a second notice. I called and spoke to XXXX at First Federal Credit on XX/XX/XXXX. I informed her that I got the notice and I was paying the amount that I had on my Hsa card, which was {$62.00}. I payed that amount the same day. I let her know that within the month I would take care of the {$80.00} I still owed. On XX/XX/XXXX, I received an email that my credit score had gone down because of a medical debt that was reported to one of the credit bureaus. I called FFCC on XX/XX/XXXX to talk about why it was reported to an agency when I had spoke to her a week and a half before and made a payment. She was extremely rude and would not discuss the debt in a normal manner. I tried to explain that I have had multiple XXXX this year and I am juggling many bills to different billing agencies. Her response was, just like everyone else has to do. Although that is true, not everyone has received medical bills totaling thousands of dollars with in a few month time period. I also asked XXXX when I called the second time why no one contacted my by telephone to let me know they were going to send it to a reporting agency or even verify that I was aware of the debt. Her response was that they called early XX/XX/XXXX and I hung up on her, which is not true at all. I find it very strange that she would not try back to see if the call even went through or it was the right number. The second call was very heated and she ended up hanging up on me. Is this standard practice if someone shows good faith with a payment? Are employees of debt collectors allowed to handle these situations however they like??
07/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91311	Web
Last year in XX/XX/XXXX, I XXXX XXXX XXXX and went to XXXX XXXX XXXX XXXX XXXX to fix the XXXX. My health insurance, XXXX XXXX XXXX, which I have through my university XXXX XXXX, did not cover the claim. Later on, I called to fix the issue, as it was understood that during the Summer Break I did not need a referral by my physician to get an x-ray or receive the care. The issue was resolved, and I was under the belief that I had already paid my full amount ( ~ {$140.00} ). A year later, I received a bill from XXXX XXXX claiming I owed {$190.00}. Immediately, I called XXXX XXXX XXXX to resolve the issue. In a three-way call with XXXX, XXXX XXXX, and myself in XX/XX/XXXX, it was agreed that I only owed {$30.00} because XXXX had made an error. XXXX XXXX agreed to send me a new bill for that amount, which I have been waiting on for a few weeks. Unfortunately, near the end of XX/XX/XXXX, I checked my credit score and noticed that it had dropped significantly as a result of a collections claim for {$120.00} from the First Federal Credit Control ( XXXX XXXX, XXXX ). I have repeatedly try to call him to dispute the claim, but after several calls and emails, I have never received a response. I contacted XXXX XXXX XXXX, who initially disputed the earlier call claiming I only owed {$30.00}. However, after contacting XXXX XXXX XXXX billing department, they had proof that XXXX agreed to cover the majority of the claim and that I only owed {$30.00}. XXXX XXXX however did tell me that I needed to contact First Federal Credit Control to pay my {$30.00}, but they have been evasive and not answering my phone calls. As a student, my credit score is a major part of my financial security in the future, and I am very upset that it is currently on my record. I would've paid the current amount of {$30.00} in XX/XX/XXXX, but because of the mistakes made by XXXX XXXX XXXX, my credit scored has severely dropped.
01/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33411	Web
I filed a complaint on XX/XX/2023 with First Federal Credit control in regards to XXXX separate collections they have been reporting on my credit report. They stated they would send me the requested documentation of my debts for {$560.00} and remove the collection for {$300.00} as they couldn't provide documentation I requested. However, i have not seen the one for {$300.00} be removed and the documentation that was sent to me for the debt of {$560.00} was not complete. The breakdown that was sent does not show any proof as to what was paid and what was not. What portion of payments went to what and what is still outstanding. I would like this in detail as well so I'm able to verify what is outstanding and what's been paid for already. I requested proof of my authorization given to you by the original debtor and was NOT provided this. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request was twofold -- validation of debt and XXXX authorization. I asked for you to Provide a copy of my signature with the provider of service to release my medical information to you and you did not provide this. If you are unable to provide all requested documentation then you are not following proper the FDCPA. So again, I request documentation of my original signed authorization from the provider of the service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it XXXX be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent, XXXX. I will await your reply with the above requested proof. Upon receiving it, I will respond by certified mail. If you are unable to provide what I'm requesting in full I will expect to have the debts REMOVED from my report.
06/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32818	Web
issue with my medical privacy now!!! violation!!! Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
11/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33018	Web
On XX/XX/XXXX I took the annual physical exam and as a part of it I took anXX/XX/XXXX test ( XXXX examination, XXXX ). My insurance was supposed to pay for the whole exam but due an error of the company where I took the XX/XX/XXXX( they sent a wrong code of the exam to the insurance company ) they sent me a bill. At the moment I received the bill I called my insurance and they explained me what was happening. At that moment, they asked me to wait over the phone and they called the medical company. I had a 3 party conversation over the phone with my insurance agent and a woman from the medical company. After all deliberations, my insurance agent explained us that I don't have to pay for this bill because it was an error of the medical company and at that moment they were out of time to fix that error. The woman from the medical company accepted the explanation. After that call they stopped sending me those bills, but on XX/XX/XXXX they started again sending those bills. I called the medical company again and they told me that it was an error but few days ago, I received a letter from a Debt Collection Company due this bill. I called again the medical company and they told me that they were to cancel the collection process ( they told me over the phone that they just sent the cancellation process ) but it is not true, I just called the collection company and the process is still active. Here are all the info I have regarding this : Debt Collection Company : - First Federal Credit Control, INC - Phone number : XXXX Medial Company : - XXXX XXXX ( XXXX XXXX ) / XXXX XXXX, XXXX - XXXX XXXX, XXXX is the company in charge of the billing of XXXX XXXX, and is the one I have been talking. - Phone Number : XXXX ext XXXX - XXXX ( The manager ) - Last invoice received on XX/XX/XXXX - Service taken on XX/XX/XXXX Insurance : - XXXX
10/15/2019	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	OH 44124	Web
On XX/XX/2019 I called First Federal Credit Control Services in regards to medical debt they have from my general practitioners office. My GP notified me that I needed to make a payment arrangement on the bill to continue to be seen. I was not aware of the amount or which one specifically when I called. Apparently there is a few and some are a couple of years old. I have been working to pay them off slowly, I do realize. I spoke to one woman initially who asked what I could pay and I said I could pay {$40.00} bi weekly and she said I was welcome to do so online but this would not resolve the matter as they would only accept 1/3 of the total amount owed today to start a payment arrangement with me. I asked what they would ask for today and she said {$480.00}. I told her I did not have that much to give them right now. She told me that some of my bills were very old, etc. I told her I realize. She reiterated the last time I made a payment was in XXXX. I also said I realize. I asked for a supervisor. She placed me on hold for an extended period. I spoke to a XXXX XXXX who then berated me telling me oh boohoo we all have lives and kids but we pay our bills and told me you better hurry up because you have one minute before I hang up on you she yelled at me and hollered in the phone. XXXX chose to continue to be abusive in her language. I sure hope their calls are recorded. When I asked for her name and if she was even a supervisor she said youre not going to intimidate me I chose to disconnect the call. This is not how business should be conducted. Bill collector or not. I was attempting to set up an arrangement to get this bill in order. I was continually told how much debt there was out there {$1400.00} which in the grand scheme isnt huge. But {$1400.00} when you dont have it might as well be {>= $1,000,000}.
12/14/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 441XX	Web
FIRST FED CREDIT CONTROL # XXXX, # XXXX, # XXXX, # XXXX, # XXXX To Whom It May Concern : This COMPLIANT is being sent to you in response to your recent communication This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Ohio and Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, XXXX XXXX
10/09/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33458	Web
XXXX XXXX XXXX XXXX XXXX XXXX is reporting information on my credit report that is not accurate in regards to what they are reporting for XXXX XXXX XXXX XXXX XXXX XXXX. I have tried via certified mail as well as on the phone to get them to delete the incorrect information yet they choose to willfully neglect this situation. I used the XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXX for the XXXX XXXX XXXX XXXX which was on XXXX XXXX, XXXX. They told us we needed to pay {$1500.00} prior to the XXXX and they would take whatever the insurance paid towards the procedure. We paid the {$1500.00} PRIOR to XXXX XXXX, XXXX yet they are INNACURATELY reporting that the payment was made on XXXX XXXX, XXXX and a {$25.00} payment made on XXXX XXXX, XXXX. NO PAYMENT WAS EVER MADE AFTER HIS BIRTH BECAUSE EVERYTHING WAS PAID IN FULL! I contacted the billing department on numerous occasions and spoke with XXXX and XXXX, the office manager. I told them they were reporting inaccurate information and they said they ca n't change a statement that was already printed and continue to report this innacurate information to the credit bureaus. They have violated the Fair Credit Reporting Act and The Fair Debt Collection Practices Act numerous times despite trying to resolve this and get them to report the correct information. I would prefer to solve this amicably and have them remove this from my credit report as it is inaccurate, a violation of The Fair Credit Reporting Act, The FDCPA and also over 7 years old as allowed by the credit bureaus. If they refuse to remove this I will be forced to take legal action in the XXXX Judicial Court In and For XXXX XXXX XXXX. I thank you in advance for your help and cooperation and look forward to an amicable resolution. Best regards, XXXX XXXX
04/29/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 440XX	Web
XXXX asked FFCC XXXX contacted with me for debit collection, XXXX is all conversation with XXXX : I have downloaded all Claim history from XXXX website XXXX stated very clearly what is my responsibility for payment XX/XX/XXXX XXXX my portion is {$3.00}, XX/XX/XXXX my portion is {$380.00} XX/XX/XXXX my portion is {$5.00} Actually I paid whatever they asked me pay on XX/XX/XXXX for {$420.00} by my Master card Please notice On XX/XX/XXXX claim Met life willing not to pay it since no support documentation they requested then Proder push me pay all then I contacted with XXXX millions times alsoseveral times provider, I and XXXX XXXX XXXX person talked together I begged XXXX to pay whatever they think they can pay, after XXXX year Met life paid {$640.00} on XXXXplease notice two things it is my effort to let provider get the money They insisted on not pay since no support documentation provider sent to them, Secondly, As you can see XXXX did not mention my responsibility since no support documentation and also failing XXXX. Remember also I have two insurance companies. Not only XXXX got money from XXXX but also they charged my second insurance XXXX as well. So I think XXXX should not charge me that kind money at all Total I sent XXXX emails to XXXX she was very very rude I never met such rude person in my life she just repeated same words not listen my voice at all Today XXXX sent a threaten email tome as following sentence : The creditor, XXXX XXXX XXXX XXXX, has signed an Authority to Litigate against your property. Please be advised, if you would like to resolve this issue before it is forwarded to our house Attorney, I can assist you. If this does go to the Attorney you may incur court costs, fees and interest. Thus XXXX enforced me to pay {$1000.00}
08/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33056	Web
I previously mentioned that my name was leaked in a previous breach and personal information but that doesn't give you the right to use my credit or attempt to use my credit without my permission. By using third party, and collection companies and or credit companies paying out for information is a violation. You have violated my rights by providing incorrect on my credit report. I don't owe any medical bills at this time and never have owed in the past. Also, you have tried to sneak that same account unto my credit a few days after it was removed. That is clearly breaking the law and this matter will be taken upon court. I have the documented dates on all certified signature copies. This isn't a threat i am well aware of my rights and know for sure i am willing to take it to court to insure I'm payed for the damages and problems you have caused to my credit. Please note, I am providing you with an additional opportunity to have this account removed with this week deleted from my credit reports if you have not already done so. I have no desire to cause you unnecessary difficulty, however, this entry of my private health care information, on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation, and has left me no choice but to proceed with the following : Upon my receipt of the FCRA and FACTA mandated reply from ( CRA ), if the account has NOT been deleted in its entirety, I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules, ARRA and Florida 's Consumer Protection and Medical Privacy statutes. account : 1. XXXX XXXX XXXX XXXX {$200.00} 2. First Fed Credit Control {$840.00} Sincerely, XXXX XXXX
08/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Web
I previously mentioned that my name was leaked in a previous breach and personal information but that doesn't give you the right to use my credit or attempt to use my credit without my permission. By using third party, and collection companies and or credit companies paying out for information is a violation. You have violated my rights by providing incorrect on my credit report. I don't owe any medical bills at this time and never have owed in the past. Also, you have tried to sneak that same account unto my credit a few days after it was removed. That is clearly breaking the law and this matter will be taken upon court. I have the documented dates on all certified signature copies. This isn't a threat i am well aware of my rights and know for sure i am willing to take it to court to insure I'm payed for the damages and problems you have caused to my credit. Please note, I am providing you with an additional opportunity to have this account removed with this week deleted from my credit reports if you have not already done so. I have no desire to cause you unnecessary difficulty, however, this entry of my private health care information, on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation, and has left me no choice but to proceed with the following : Upon my receipt of the FCRA and FACTA mandated reply from ( CRA ), if the account has NOT been deleted in its entirety, I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules, ARRA and Florida 's Consumer Protection and Medical Privacy statutes. account : 1. XXXX XXXX XXXX XXXX {$200.00} 2. First Fed Credit Control {$840.00} Sincerely, XXXX XXXX
07/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33486	Web
Subject : Debit Collector 's Refusal to Remove Account from my Credit Report Dear CFPB, I am writing to call your attention to a debit collector that has been preventing me from having access to credit lines despite my attempts to resolve the matter. An account that is currently reported on my XXXX credit report has an outstanding debt that the debit collector has refused to validate for over XXXX days. The debt collector has been repeatedly contacted and informed of their obligations under the Fair Debt Collection Practices Act ( FDCPA ), which includes validating the debt upon request. However, they have ignored my requests and continue to stay on my credit report indefinitely, despite not being able to provide proof for the validity of the debt. I am reaching out to you today to seek your assistance in resolving this issue, as it has made it difficult for me to access credit lines needed for important purchases. I have disputed the account with XXXX and have shown evidence that the debt can not be validated. Yet, the debit collector has continuously ignored my attempts to resolve the issue and refuses to take the erroneous mark off my credit report. I would truly appreciate it if you could investigate this matter and ensure that the debit collector is held accountable for their refusal to validate the debt and remove the account from my credit report. Even the dates on my credit report for this History balance keep changing they are now making it reflect the year XXXX when they have been attacking my report for over XXXX years. Please let me know if you require any additional information. Thank you for all your assistance in advance. Sincerely, XXXX XXXX
06/20/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32809	Web
I filed a compliant against First Federal Credit Control on XX/XX/XXXX and XX/XX/XXXX advising the following : Providing a bill/ statement is NOT a form of VALIDATION it is a form of VERIFICATION which is NOT what I requested. Verification means establishing truth and accuracy. Validation means to provided the legal proof of this truth and accuracy. Proof of validation includes leases, promissory notes, contracts with an original signature. I requested full documentation of the validity of the alleged debt with a contract bearing my signature. Which the collection agency still has not provided. Although the validation notice was sent on XX/XX/XXXX to the right address, however, the notice arrived in my mothers name, which technically I did not receive and also which is a VIOLATION OF HIPAA. The bill provided by the collection agency on XX/XX/XXXX also listed my mothers name as a patient and under the insurance information which is a VIOLATION OF HIPAA. The information presented by collection agency is inaccurate. I am not on my mothers insurance and my mother doesn't have medical insurance currently. The documentation provided violates my rights as a patient. The collection agency stated that their records are correct and accurate which is FALSE. My mother should not be listed on this account at all for any reason. My mother should also not be included in the bill/statement provided. ALL DOCUMENTATION PROVIDED IS INVALID AND INACCURATE. It is the responsibility of the collection agency to make sure that the information provided by the original creditor was indeed accurate and correct which includes the insurance information to which they have failed.
07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web
XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX SERVICES CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BALANCE OF {$130.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX CLOSED ON XXXX FIRST FED CREDIT CONTROL ORIGINAL CREDITOR : XXXX XXXX XXXX CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX BALANCE OF {$110.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX BALANCE OF {$18000.00} To whom it may concern : I have been contacted by your company about a debt you allege I owe. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately. Enclosed will be a copy of my police report pertaining to the item supporting my position.
10/19/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 327XX	Web
I went to XXXX XXXX for an exam. I was told on the phone prior to coming in and while I was at the office in the exam chair that the exam fee would be waived if I were to have the XXXX XXXX done on the same day. So I agreed to have the procedure done while I was there because I could afford to have it done without the fee. But after I had the XXXX XXXX done I received a bill in the mail from XXXX XXXX that was for the exam fee. Apparently they had billed my insurance for the fee without my permission or knowledge and it was rejected so they tried to bill me. I immediately disputed this with the office but they called me a liar and refused to drop the bill and in fact contacted my other insurance company and tried to get them to cover it. I also filed for chapter XXXX bankruptcy and since they would not agree to honor their original deal for no exam fee I was left with no choice but to include this debt in my bankruptcy which was XXXX. please see attached files. XXXX XXXX continues to try to collect this debt and has now sent it to a collection company after they were informed it was discharged.The collection company is now threatening to report this to my credit if they have n't already done so. During the bankruptcy, this debt was never disputed by XXXX and they did not show at the meeting of creditors. I find it rather unnerving for a doctors office to be doing " extra billing '' behind patients backs. I trusted Advanced office staff to be truthful with me, I know what I was told and they went and did the opposite of what they said they would do.It is their mistake so they need to own up to it and not attack me and my records.
11/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43219	Web
You, FIRST FEDERAL CREDIT CONTROL # XXXX, XXXX must be a Third-Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, FIRST FEDERAL CREDIT CONTROL # XXXX, XXXX are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and/or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. This is my notice to FIRST FEDERAL CREDIT CONTROL # XXXX, XXXX to Cease and Desist 15 USC 1692c 805. Communication in connection with debt collection. I have no paperwork or contract for business with FIRST FEDERAL CREDIT CONTROL # XXXX.
07/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33311	Web
In XX/XX/2018 I reviewed my credit reports and found inaccurate information reporting in my 3 bureau credit files. The account is unknown to me so I contacted the company XXXX XXXX XXXX XXXX by letter delivered by certified mail on XX/XX/2018 ( see attached letter and certification of mail ) that was over 45 days ago and I have yet to receive a response. This company has failed to comply as per the Fair Debt Collections Practices Act and the Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy. My request to XXXX XXXX XXXX XXXX regarding account number XXXX for a sum of {$20.00} is to provide via CFPB portal full validation or delete this unknown account from my 3 credit files. I have explained that this account is unknown to me and I require FULL validation pursuant to the Fair Debt Collection Practices Act and XXXX XXXX XXXX XXXX has failed to provide me under the CREDITOR /DEBT COLLECTOR DECLARATION the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor 3. Any insurance claims been bade by any creditor regarding this account 4. Name and address of alleged debtor 5. Alleged account number 6. Address on file for alleged debtor 7. Amount of alleged debt 8. Date the alleged debt became payable 9. Date of original charge off or delinquency 10. Verification that this debt was assigned or sold to collector 11. Complete accounting of alleged debt 12. Commission for debt collector if collection efforts are successful.
04/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32825	Web
To whom may concern Report # XXXX and # XXXX don't verify the alleged debt from your company. ( FFCC provided a simple bill which is NOT considered a " validation of debt '' by any means. You may wish to familiarize yourself with what is required when validating a debt ) you have violated at least three sections of this act by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) ( your company still conveying information to the credit bureaus regarding a debt ) Pursuant 15 usc 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium ) THIRD TIME I MAKE YOU AWARE OF FDCPA violations ) 3. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) You have willfully reported an unverified and disputable debt to the credit bureaus. which is a violation of the Fair Credit Reporting Act. I will state again in this certified complaint that you have failed to verify the debt as accurate, you have provided no proof of this alleged debt pursuant 15 USC 1692g ( failed to provide me with the 5 things required by congress ) If I receive anything other than absolute proof from you, provided by the original creditor, I will assume you are harassing me and ignoring my cease and desist, and I will take action against you for these continued violations and abuse. Opportunity to cure ( attached )
04/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44266	Web
There are 2 accounts on my credit that are effecting my score that are not fine and need removed asap from all 3 credit agencies I am writing to dispute the items I have attached in this letter that are on my credit report. I have also included my drivers license to validate my identity. There are multiple items that do not belong on my credit report That I have disputed in the past and you have removed from my credit. Now they are appearing again and my credit has dropped 50 points. These need to be removed and my credit score be updated. This is very disturbing to me as I work very hard, I have insurance and these accounts are not mine that are on my credit. I am not sure why you have put them back on but the other 2 credit bureaus have removed them and I need this updated ASAP In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Federal Law require your credit reporting agency to verify physical records on file of the original signed account or contract from any accounts you post on my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. I formally demand the following negative accounts be verified, and/or removed immediately. XXXX XXXX XXXX First Federal Credit XXXX XXXX XXXX XXXX XXXX First Federal Credit XXXX XXXX
05/27/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07030	Web
I was contacted by XXXX XXXX from First Federal Credit Control on multiple occasions, and each time we spoke I told her I was planning on paying a particular Medical bill if I owed it. I have previously been contacted by a debt collector about a medical bill I didn't owe, so I told her I wanted to look into the matter and would pay the bill I in fact owed it. There are three different medical bills from this date of service, and I was under the impression that I had paid them all. I have no problem paying, and I told her as much. I've merely been busy with work and what I thought was likely another harassing call from a debt collector about a bill I did not in fact owe was not high on my priority list. XXXX called on multiple occasions, including today, on XX/XX/XXXX, when I tried to get more information, and each time we spoke on the phone, she threatened my credit despite me clearly expressing my intent to pay the bill. Then, knowing full well I intended to pay the bill if it was owed, she followed through on the threat and reported bill to credit reporting agencies to damage my credit out of spite ( again knowing full well I expressed that I would pay the bill to the doctor directly instead of to her and her predatory credit agency ). I spoke to the doctor 's office today and initially they were confused as well, saying I didn't owe the bill, but should call the billing department. I spoke to the billing department, and found out that the bill was in fact outstanding. Consequently, I paid the bill immediately and in full to the doctor 's office.
04/12/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 331XX	Web
1. Received a phone call in which First Federal Credit Control advised that they were attempting to collect a bill for Dr XXXX. They also assumed that I was XXXX XXXX though they did not confirm my identity before disclosing that I had a medical bill. 2. I advised First Federal that I did not know who Dr XXXX was 3. First Federal reported this bill on my credit report First Federal was clearly made aware that I disputed this bill and they failed to provide supporting documentation as required of a data furnisher. They have not supplied the date of service, service received or any information about who Dr XXXX is or how XXXX XXXX intends to support this bill. First Federal reported this bill to my credit report without conducting a reasonable investigation or supplying the results of a reasonable investigation. Furthermore, in their telephone communication First Federal both communicated the existence of a debt to a party without verifying that person 's identity, as well as disclosing protected health information. In summary, there are issues with FDCPA, FCRA and HIPPA in this one incident.If First Federal wants to claim that they did not know they were communicating with the consumer, they are guilty of disclosing both the existence of a debt and protected health information to an unidentified third party. If they want to claim that they were communicating with the right party, they are guilty of failing to conduct a reasonable investigation and supply validation of the debt prior to reporting to that consumer 's credit report.
09/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 441XX	Web
Since XXXX of XXXX I've been contacting First Federal Credit Control and have been transfered to XXXX XXXX every month regarding their False Reporting to XXXX for a medical bill which they specifically stated they did not have any contact information for me and this is why XXXX XXXX XXXX XXXX gave the information to FFCC. I must say after hours and hours of research and getting to the bottom of this, the physician had all information prior to seeing them. Then FFCC argued for about 2 months, XXXX XXXX from FFCC wanted all types of proof of this bill being paid. It was paid prior to them reporting this. I proved it and she said it should come off my report because there is no debt and she was sorry it happened but it was reported because they supposedly didnt have any of my information. Finally in XXXX of XXXX FFCC emailed me a copy of what they said they sent to the Credit agencies. XXXX XXXX and XXXX XXXX. Every month to this day this is still reporting and now when i call XXXX just tells me to have XXXX call her ( this does not happen and XXXX said they will never call a collector ) Now, FFCC stated that they do not call the Credit Agencies and so now FFCC is totally in the wrong by not helping me ( the consumer ) do to their error. this is affecting my Credit Score by 20+ points and is obsurd that this is still on my XXXX XXXX both companies should merge together because XXXX and FFCC do not care about anything they do that affects others. Horrible at trying to help the consumer get the correct reporting information.
09/17/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 44224	Web	Older American
The debt collector, First Federal Credit Control , XXXX, repeatedly called using different telephone numbers and did not leave a message. When I called back the numbers the party that answered did not identify themselves as a debt collector until I gave them my name, then kept demanding personal information. I received a notice from First Federal Credit Control on XX/XX/19 regarding an alleged debt vaguely identified as University XXXX XXXX XXXX, account # XXXX. On XX/XX/19 I sent a letter to the collection agency requesting information to identify the original creditor, a copy of the last billing statement, and the authority of the collection agency to collect the debt. I also requested that the debt be treated as in dispute until I received the information requested. To date, I have not received a any information. Last week I noticed that the alleged debt had been reported to a credit reporting agency without being reported as in dispute. On XX/XX/19 I sent a letter to the collection agency instructing them to immediately remove the collection notice from any credit reporting agency to which it reported it. I also instructed the collection agency to cease all communication until they provided the information I requested, including any information required under the Fair Debt Collection Practices Act. I have noticed that the collection agency used the same account number for this alleged debt as they did with different alleged debt that is also in dispute. I have filed a complaint with the credit reporting agency.
08/24/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web
I am appalled at this debt collection post card I received at the beginning of XXXX from FIRST FEDERAL CREDIT CONTROL , INC . The alleged debt that they claim I owe was already paid upon arrival at my doctors appointment last year, XXXX its ridiculous that I receive something like this in the mail with everything going on today. You would think theyd have a little empathy. I have never agreed to do business or agree to any contract with FEDERAL CREDIT CONTROL , INC. Ive never given them any of my not only private, but also personal information. This is exploitation Theyve violated multiple USC codes with the letter as I exhibited it and made notes with disputes and have sent it back to them. I AM A CONSUMER. I have every right to point out that according to 15 USC 1692d, a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. They have threatened to report me, a natural living person, to a national credit bureau if supposed debts are unpaid. According to 15 USC 1692e a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. According to subchapter 5 of 1692e they did exactly that. Theyve plastered their logos all over the invoice which is yet, another violation. I refuse to allow such abuse and mistreatment from a fraudulent company like this one. I am looking forward to their response wthin 30 days from the date XX/XX/XXXX.
06/21/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
I filed complaints for First Federal Credit Control on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX in regards to an account of {$800.00}. Although the information that has been presented by the collection agency was inaccurate and incorrect and a violation of HIPAA instead of removing or deleting the debt for its inaccuracies and for violating my rights as a patient " changes '' were made in their records to make the documentation more creditable. The reporting of this debt was made prior to allowing me to validate it which may be a violation of the Fair Credit Bureaus Act, to which can allow me to seek damages from a collection agent. The collection agency REFUSES to provide what I am asking for. I have requested NUMEROUS times for a contract or an instrument bearing my signature as LEGAL proof of the alleged debt. I did not request a " itemization of charges '' to which the collection agency has sent to my home address. Once again, I am STILL NOT requesting a bill or a " itemization of charges '' of this account because that is not sufficient documentation. I demand for First Federal Credit Control to provide a contract bearing my signature as evidence of the validity of this alleged debt. I demand that the collection agency to be compliant with my request of providing the following documentation that I am requesting, a contract bearing my signature, as that is the only documentation that I will accept as a form of validation. Until I receive the documentation that I am requesting I will continue to file complaints.
07/28/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 440XX	Web
I recently reviewed my credit report to find I had 1 account in collections for an old hospital visit. The collection agency is First Federal Credit Control and the amount owed was {$700.00}. I never received any statement or invoice in the mail or email from them. I immediately called this company to see how I could take care of this bill to remove it from my credit report. I spoke with XXXX XXXX on XX/XX/2020. He proceeded to tell me that I could not pay less than the {$700.00} because the hospital could not take less than that. He also told me there were several other accounts in collections with them that had smaller amounts that were also affecting my credit score. After researching, the accounts that I paid off that day ( for a total amount of {$450.00} ) were not on my credit report, and the only outstanding balance in collections is still the {$700.00}. I called again today ( XX/XX/2020 ) to ask if I could pay off the account. I spoke with XXXX XXXX. I first let her know that XXXX had lied to me on my call with him about the accounts and how he gave me incorrect advise. She immediately began speaking over me, berating anything I tried to say, and would not let me get a word in. This company is is very abusive to callers, lying to consumers, and are rude to the point of me having to hang up because I could not finish a sentence. This company has extremely unfair practices of getting consumers to believe they are in deep trouble because off too many accounts impacting credit scores.
02/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33432	Web
This medical bill is not valid as at the time of service I had full insurance that should be covered 100 % of this bill. I am not responsible for this account. The doctor 's office should have billed the insurance in a timely fashion and if they didn't do so then its not the patient responsibility. 1. Please send me proof that the insurance refused to pay this bill 2. I also need proof that this bill was billed within the timeframe stated by the insurance company. 3. I need a copy of all these documentation as I don't agree with this bill as its not my responsibility as I met the deductible at the time of service. a. Written Authorization to collect this debt b. Evidence and proof of this alleged debt including a contract with customer signature c. Date of actual default and last payment to the original creditor d. Proof of validation letter sent to the client e. Notarized signature for a person authorized to collect and date f. Has any insurance claim been made by any creditor or assignee regarding this amount? g. A notarized statement that alleged debt was not utilized as a profit or loss deduction and was not claimed as a loss with any assignee of the creditor during the period it may be payable. h. If this alleged debt is the results of an assignment please provide the contract and terms for this assignment and attached copies as proof thereof. Please send me a list of all the documents that were requested by the consumer advocate group mail directly to me.
06/22/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32940	Web
On XX/XX/XXXX, at XXXX, I received a phone call from First Federal Credit Control , a XXXX XXXX , for a medical debt owed in the amount of {$540.00} from an unpaid bill in XX/XX/XXXX-XX/XX/XXXX. I requested a settlement of the matter. XXXX XXXX refused and yelled at me that I needed to pay it in full or she did n't care if it stayed on my credit report. She continued to be aggressive in her tone and inappropriately threatened that she will not remove this debt off of my report until I paid it. I calmly explained, XXXX I am trying to settle this with you and I am not refusing to pay, but I would like to settle it. She continued to yell " your only option is to pay it in full or make payments and I do not care if this stays on your credit report, pshh '' She continued to huff and puff at me while I was very calm with her. She yelled " ya know what XXXX, you are not going to settle this obviously '' and she hung up on me. I called her back at XXXX XXXX and XXXX XXXX answered the call. I said, " XXXX, this is XXXX and I do n't understand why you hung up on me '' she yelled XXXX, I am the supervisor here and nobody is going to tell you any different, now do not call back!! '' At that point, I took the initiative and contact the original creditor and explained to XXXX XXXX XXXX XXXX that I want to pay the debt, but the credit agency refuses. XXXX, with XXXX XXXX accepted my {$300.00} payment towards the balance and stated she would report the behavior of the agency.
10/04/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 44212	Web
Ive been dealing with First federal credit control for YEARS now! They are Still reporting FOUR collection accounts on my credit report that should have never even been on my report to begin with! I had set up a payment plan with my doctors at university hospitals ( terms were I would pay {$30.00} each month ) but once the bills technically showed past 90 days they were reported to first federal credit control but they shouldnt have because, i was paying the {$30.00} each month and even have verification to prove this! I also have written verification from XXXX XXXX stating these accounts should have been deleted yet they arent and Im being lied too! Ive filed dispute letters with the 3 credit companies and first federal credit control! I spoke with XXXX XXXX via a recorded phone line on Thur. XX/XX/XXXX.. he informed that they did grant my request for all 4 collection accounts to be permanently deleted from my credit report and electronically filed that on XX/XX/XXXXto credit bureaus. YET all 4 are still being reported as of XX/XX/XXXX! Ever time I call its impossible to get through to anyone and am transferred to voicemails its such a joke, this company is a complete violation of basic consumer rights! Even when I do finally reach XXXX XXXX baxtor himself Im given complete attitude like Im annoying him, Im sorry Im sure he would feel the same way if he had 4 negative collection accounts on his report that shouldnt be there!
08/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44146	Web
First Federal Credit Control has responded to my complaint only after I contacted the XXXX. FFCC has not validated the alleged debt they say I owe them in any form or fashion. I have received documentation that only proves that I have been in contact with them via certified mail over a year ago. They have continued to handle is alleged debt unprofessionally at best. I have received documents that are unprofessional and could have easily been fabricated. I have yet to receive any signed documents with my signature proving I owe them this alleged debt. They have sent proof that only solidifies my identity theft claim. FFCC is the only collection agency that has not cooperated with me in clearing up this matter and they have made a mockery of me and the said circumstances. Also, I find it very disrespectful to refer to me as a debtor without proof of their claim. I am a consumer just like every employee and owner that works for First Federal Credit Control and would like to be addressed as such. While this my only be business for FFCC, I am a consumer, and this effects my everyday life. As a consumer I have certain rights under federal law, and I have chosen to exercise them and should not be mocked in doing so. Again, First Federal Credit Control is in direct violation of federal law and under federal law must immediately stop reporting this erroneous information and delete this information from my credit file.
03/19/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33133	Web
Billing service for one of my doctors applied a {$20.00} credit from XXXX/XXXX/XXXX to a {$35.00} co-payment from XXXX/XXXX/XXXX leaving a balance of {$15.00}. The billing service 's inadequate records did not reveal that the good doctor refunded me the {$20.00} four years ago, therefore leaving no credit for the XXXX/XXXX/XXXX visit for which I paid the full co-pay of {$35.00}. {$35.00} minus {$20.00} leaves {$15.00}. Over a span of over two months, I repeated provided proof of the doctor 's {$20.00} refund and proof of my full co-payment of {$35.00} to both the billing service and the collection agency, First Federal Credit Control ( " FFCC '' ). FFCC tacked on the erroneous {$15.00} balance to my XXXX/XXXX/XXXX service date balance of {$210.00} for a total debt collection of {$220.00}. I paid the doctor the {$210.00} and provided proof of that payment to FFCC. In spite of my best efforts to clear my account, FFCC filed a notice of debt collection with the XXXX credit reporting agencies for the erroneous {$15.00}. After I called FFCC about the posting of debt collection with the XXXX agencies, the " mistake '' was admitted and I received a XXXX/XXXX/XXXX letter stating FFCC requested deletion of the erroneous debt from my credit. Why was it sent in the first place, after repeated attempts to clear the account? This is fraudulent. I also filed a dispute with the reporting agencies.
09/19/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 481XX	Web
Please see attached. I was first contacted in relation to an alleged debt owed for medical services by a collection agency named First Federal Credit Control , Inc. on XX/XX/XXXX After disputing the validity and requesting validation of the alleged debt, First Federal Credit Control , Inc. provided me an incomplete invoice. ( two pages of a 32 page document i.e Page 1 and Page 3 ). During the period I had disputed the validity of the Debt, First Federal Credit Control , Inc. published a derogatory collection account on my credit report. Thus causing my credit score to drop. I sent a 2nd request to the collection company indicating that they had violated my rights under the Fair Debt Collection Practices Act, and demanded the the negative report to my credit report be removed and that they provide me with the account validation I had originally requested. To date, I have received nothing and the derogatory remark remains on my credit report. Then onXX/XX/XXXX, I receive a NEW collection letter dated XX/XX/XXXXfrom what appears to be a second attempt at collecting this alleged debt, this time from an attorney acting as a debt collector. I am being harassed for payment of a medical bill that neither the doctor 's office can not validate, nor the original collection agency, because the bill was paid by my two ( 2 ) medical insurance providers previously.
03/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
I have called this original creditor company several times informing them that I was a part of several government and XXXX data breeches. I have submitted to the credit bureau all of the police reports and the fraud reports filed during the time prior to, during and after this debt being added to my credit report. I am not sure what else I need to do.Its as if they want to collect from me on a debt even if it is fraudulent. There has to be some recourse for them not taking my identity theft into account. This has damaged me financially and emotionally because I am unable to secure credit line due to this fraudulent account being on my credit report. I have even filled out papers for the original creditor informing them that this is a fraudulent account. I have gotten not response each time I filled it out. When I would follow up after a month I am told to fill the same papers out all over again. It is frustrating and unfair to me. The credit reporting agency told me that all the collections company have to do is to send an electronic message to them claiming they investigated and found the account is mines. So they can lie as if they have reached out to me and conducted a verification and it will remain on my credit file. Also These accounts were once deleted from my file and then allowed to be added back by the credit reporting agency.
10/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33076	Web
I had a XXXX procedure on XX/XX/XXXX. Insurance paid benefits, and I paid the balance. {$500.00} of the bill was excluded from insurance coverage because the procedure was disallowed, as it was incidental to the billing code that was paid. At the time of the XXXX, XXXX XXXX, XXXX, was an employee of the doctor doing the procedure, and was paid by his office. She subsequently left the doctor 's employ, and attempted to collect the {$500.00} that was disallowed. I refused to pay her bill, as she should have been paid by the doctor, and her dispute was with him. 2 years later, in a letter dated XX/XX/XXXX, First Federal Credit Control , Inc. a debt collection company, wrote that XXXX XXXX, XXXX, referred my account to them for collection. On XX/XX/XXXX, I asked my husband to call First Federal to dispute the validity of the debt. He spoke to XXXX XXXX, and gave her the information, and faxed her proof of the debt not being valid. Neither Ms. XXXX, nor anyone else has been in contact with me by mail, phone, fax, or email since. We contacted the appropriate credit reporting agencies and filed a dispute. We are in the process of purchasing a home, and when our credit was pulled recently, the invalid collection was still being reported. My husband contact Ms. XXXX again in the last few days to get this matter resolved. She declined.
05/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32839	Web	Servicemember
in accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc 1681. i told XXXX, XXXX, and XXXX to reinvestigate these accounts account name : First fed credit control : XXXX XXXX however, they stated everything was completely accurate. But how is that possible if the open date, date of last activity and much is incorrect. according to 15 usc 168 1i ( 5 ) they are supposed to modify accounts that isnt reporting correctly 15 u.s.c 1681 section 602 A states i have the right to privacy. 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years 15 u.s.c 1681s=2 ( A ) ( 1 ) A person shall not turmish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate also they arent even in compliance with XXXX XXXX credit reporting. i have evidence to prove my case
06/26/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32837	Web
I received a phone call from a person saying that I owe money to them because the doctor at the hospital send them the debt, I asked him to give me discount so I can pay it one shot, he said no, I said I am paying the hospital in payment and I just paid another bill how would I know that it is not a duplicate bills said give me time and we will talk, with the covid 19 problem everyone is trying to take care of their loved ones ' was taking care of my father ( XXXX years old ) and making sure to keep my business open and hold on to my employees it is a struggle.anyway .yesterday I was surprised he went ahead and reported it on my credit report, keep in mind I didn't receive any written mail from the ( first federal credit control ) I saw their name on my credit report with phone number that is a fax, and the other report doesn't list any phone number for communication amount is {$1300.00} my point is with all that is going on at these time, they didn't allow me enough time nor provide me with a written notice and a referenced phone number so I can have recourse I called their number it is not a working number, it is a fax number. this tactic is unfair, bcoz I have good credit, I feel I am been blackmailed by them, pay or else I will tarnish your credit, eventhough I offered to work with them, but I can't contact them, I need help
07/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44146	Web
I am writing to you to complain about First Federal Credit ControlXXXX XXXX XXXX XXXX, XXXX, FL XXXX. I have found adverse account information listed on my credit reports. I have no known or verified accounts with this business and after repeated verification request FFCC has not responded to my certified letters and continue to report to XXXX, XXXX, XXXX, and XXXX ( all major credit reporting agencies ) in violation of federal law. This company unlawfully reported to the credit bureaus as resent as XX/XX/2019. First Federal Credit Control has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to all the three major credit bureaus. The erroneous accounts are in the amount of {$430.00}, {$86.00} and {$85.00}. The accounts are erroneous, inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact First Federal Credit Control multiple times via registered USPS certified mail with return receipts which prove FFCC has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!
10/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 441XX	Web
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. Thank you for your time and help in this matter.
04/12/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 21158	Web
On XX/XX/XXXX I spoke with First FederalCredit Control. On XX/XX/XXXX, I sent a letter to First Federal Credit Contro asking them to provide me with the following information to validate a debt 0f {$310.00} from XXXX they are claiming was transferred to them from XXXX XXXX XXXX. I asked them to provide me with the following information : I am requesting that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay First Federal Credit Control. 1. Agreement with the creditor that authorizes you to collect on this alleged debt. 2. The agreement bearing my signature for this debt. 3. Valid copies of the debt agreement stating the amount of the debt and interest charges. 4. Proof that the statute of limitations has not expired. 5. Complete payment history on this account along with an accounting of all additional charges being assessed. 6. Show me that you are licensed to collect in my state and your license numbers and Registered Agent. They did not provide me with any of the information that I asked for. They provide a document with supposed information from XXXX XXXX, however, XXXX XXXX is in XXXX, MD, not XXXX, MA. They are not authorized to collect on this account and the information should be removed from my credit file.
01/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44128	Web
I am writing to you to complain about First Federal Credit Control XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have found adverse account information listed on my credit reports, mainly XXXX. I have no known or verified accounts with this business and after repeated verification request FFCC has not responded to my certified letters and continue to report to XXXX in violation of federal law. This company unlawfully reported to XXXX as resent as XX/XX/2019. First Federal Credit Control has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to at least one of the three major credit bureaus ( XXXX ). The two erroneous accounts are in the amount of {$310.00} {$150.00}. The accounts are erroneous, inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact First Federal Credit control multiple times via registered USPS certified mail with return receipts which prove FFCC has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!
06/19/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
On XX/XX/XXXX I sent, via certified mail, a debt validation letter to First Federal Credit Control requesting to validate the alleged debt of {$800.00}. The collection agency received the debt validation letter on XX/XX/XXXX and responded with a bill/statement/ invoice which I received on XX/XX/XXXX. I filed a compliant through the CFPB on XX/XX/XXXX stating that providing a bill and/ or statement is not sufficient documentation of the alleged debt and that it was only a form verification and not validation as requested. In return, the collection stated that " The verification of the debt was done correctly as provided under the FDCPA. '' The bill that was provided by the collection agency on XX/XX/XXXX is inaccurate. The bill provided has my mothers name listed under the patient information section of the bill which is a violation of HIPAA. Also in the insurance information section on the bill my mother is also listed as the primary insured person which is incorrect. My mother has not had medical insurance for almost 2 years and I have not been under my mothers insurance for over 4 years. The collection agency DID NOT verify or validate the alleged debt correctly or accurately. All documentation provided is inaccurate data and violates HIPAA.
01/10/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92604	Web
An incorrect medical debt was turned over to First Federal Credit Control ( FFCC ). The medical provider was XXXX XXXX, XXXX, who in turn used a Billing Company. The Billing Company sent me an incorrect bill. I notified them of this multiple times as well as XXXX XXXX and was advised it would be corrected and I would get a new bill every time I spoke to them. Neither company sent the corrected bill and the Billing Company referred the incorrect debt amount to FFCC. Upon receiving the collection notice I immediately called my rep XXXX and advised of the error and dispute. She advised she would look into it and that no credit reporting would occur. After not hearing back after roughly a week I called both XXXX XXXX and the XXXX XXXX and told them of the collection company. XXXX XXXX finally corrected the bill while I was on the phone and I paid them at the same time since the bill was finally corrected. Now a few months later I see that FFCC negatively reported which has affected my credit. This was all due to a billing error and I dont understand why my credit is negatively being affected due to the errors of all three other companies. Nor do I understand why I was the only one trying to fix the error. At this time I want my credit restored.
04/08/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44143	Web	Older American
First Federal Credit Control sent me a notice of an alleged debt to XXXX XXXX. I am unaware of any debt owed to XXXX XXXX. I do not believe I owe any medical bills/debts as I am a Medicaid/XXXX recipient. However, weather I owe this alleged debt or not is not my complaint. First Federal Credit Control reported this alleged debt to at least one of the three major credit bureaus in violation of the FDCRA. According to the FDCRA I have 30 days from the date of notice to respond asking for debt validation. First Federal Credit Control letter is clearly dated for XX/XX/2019. First Federal Credit Control reported this alleged debt effective XX/XX/2019 which is in clear violation of my rights and has caused my perfect credit rating to suffer. I am XXXX years old and do not have any outstanding medical debts or any other unpaid debts for that matter. First Federal Credit Control insufficient proof of this debt before reporting this erroneous debt to the credit bureaus may cause me denial of credit, adequate housing and higher rent/deposits. First Federal Credit Control would have known that this alleged debt is erroneous and inaccurate if they were not in violation of my consumer rights and followed the federal law and they are aware of this.
05/02/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	OH 44134	Web
account XXXX I have yet to receive full Validation of Debt regarding this alleged debt. It is to my knowledge that this is not owed. My full request is incomplete below are the requests : 1. The agreement which authorizes the creditor to collect debt on the alleged debt 2. The signed agreement from the debtor conforming to pay the creditor 3. The documents regarding the payments made on this account validating the amount. 4. Documentation showing you are licensed to collect debts in Ohio. In addition, I was again threatened to have the police called on me. This is all because of an alleged debt that I do not feel I owe. I feel incredibly threatened by First Federal Credit Control. In addition, it was informed to the CFPB that I was confrontational, and called 7 times. Calling my confrontational is slanderous and a violation. The reason I called was due to the fact I was hung up on several times and my inquires were not answered. This is considered entrapment, intimidation and a clear violation. I request this is off my credit report - I ask First Federal Credit Control to cease and desist. In addition, I hope that this is rectified soon as I do plan on escalating these threats/ violations if not rectified timely.
07/10/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44133	Web
In XX/XX/2019 I was injured on the job with the USPS XXXX Ohio branch. I was sent to university hospitals XXXX XXXX XXXX in XXXX for evaluation by said employer. I have a debt On my credit report for {$230.00} that i have disputed 4 times with equifax. Each time I dispute the response is that first federal credit control has verified the debt is mine. All bills for this injury are the responsibility of the USPS. I called first federal credit control today to request verification or a copy of the debt and was told to contact the hospital because their company has a large file and doesn't have that information orthe information to contact the original creditor. Acct # XXXX with university hospitals and the file number with first federal credit control is XXXX. CONTACT INFO for first federal credit control is : First federal credit control XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX Original creditor University hospitals urgent care Acct # XXXX Billing dept Attn : XXXX Pob XXXX XXXX ME XXXX My social security # is XXXX XXXX XXXX however my birthdate is incorrect in the file as XXXX and my birthdate is XXXX. I called university hospitals and they would not change the billing I, information for this debt.
07/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20770	Web
M husband has been going to this practice for about two years. The staff and the office manager have reported t their collection agency teh wrong balance without providing them proof of the debt fully. On XX/XX/XXXX there was no calls nor correspondence in writing that we had an upcoming appointment with XXXX XXXX XXXX. our phone number had changed in XX/XX/XXXX. I tried to talk to the office manager several times and she was not willing and very agressive short of cussing me out. to correct the amount of the bill. I paid XXXX to the XXXX location office in XX/XX/XXXX. That is the only way that he could have been seen the last visit that I take care of the past due amount of XXXX. Mr. XXXX can not read nor write very well at all. I handle all of the financial matters. The office manager told the staff to hang up on me if I called. The charges of XXXX, XXXX, XXXX dollars are totally incorrect and according to the Fair Debt Collection Act are in dispute. Right now Mr. XXXX is very ill with onl XXXX XXXX XXXX XXXX. Again we had no written notice of an upcoming appointment. Within a ear anything can happen. They failed to put anything in writing to our postal address before this action.
06/18/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32809	Web
On XX/XX/XXXX I sent, via certified mail, a debt validation letter to First Federal Credit Control requesting to validate the alleged debt of {$800.00}. The collection agency received the debt validation letter on XX/XX/XXXX and responded with a bill/statement/ invoice which i received on XX/XX/XXXX. However, providing a bill/invoice of the alleged debt is not a form a validation it is a form of verification was not what i requested in the debt validation letter. Also I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33436	Web
on or before XXXX spoke to XXXX at the First Federal Credit Collection who advised me of the balance owed to the XXXX XXXX XXXX XXXXXXXX in the amount of {$720.00}, I advised XXXX to send me an itemized statement of this amount owed. I received an email that the {$720.00} was owed, not the itemized breakdown as originally requested. I then proceeded to pay {$200.00} to FFCC, and then another {$100.00}. So, the balance owed is {$420.00} - and the collection agency reported to credit agencies on XXXX before speaking with me that this is a derogatory account, stating collections in the amount of {$520.00}. According to Consumer Finance, the three reporting agencies were to remove medical collection agencies from credit reports. But, when collection agencies don't disclose its intended purpose or don't state it is a medical debt, consumer reporting companies tend to believe the reporting agencies, which makes it very difficult to remove this type of debt, which is factually stated as " medical '', not revolving creditor or installment credit such as a credit card agency/finance company, etc. But, again is a medical debt and should not be reported on my credit report.
10/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 44121	Web
This is XXXX XXXX. I will be the only one authorizing this complaint. I will be sending my license, ss card and proof of address. I want to make a complaint about XXXX XXXX XXXX and Receivable. Both companies are providing unethical practicing and XXXX and XXXX are just letting it happen. The bill on theses account are paid from the document that i uploaded but they continue to record a collect with owing a balance. That's a violation that needs to be fixed. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX Delete this account because of inaccurate reporting. The notice of dispute is required to report within 30 days of receiving the 1st dispute letter. If the notice is not there, which it is not the account is reported in violation of section 623 and needs to be deleted immediately Violation FIRST FEDERAL CREDIT C ( Original Creditor : XXXX XXXX XXXX ) - XXXX - Delete this account because of inaccurate reporting. The notice of dispute is required to report within 30 days of receiving the 1st dispute letter. If the notice is not there, which it is not the account is reported in violation of section 623 and needs to be deleted immediately Violation
03/05/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32828	Web
YOU ARE RE-AGING THIS DEBT ILLEGALLY, THERE HAS BEEN NO ACTIVITY ON THIS ACCOUNT, NO PAYMENTS, AND NO CONTACT, AND YET YOU CONTINUE TO ILLEGALLY RE-AGE THIS DEBT BY CONSTANTLY UPDATING THE DATE OF LAST ACTIVITY. THERE IS NO ACTIVITY ON THIS ACCOUNT, AND YOU ARE VIOLATING FDCPA BY PROVIDING FALSE INFORMATION TO THE CREDIT BUREAUS, PROOF IS IN THE 2 CREDIT REPORTS I AM SUPPLYING. I AM DEMANDING THAT YOU IMMEDIATELY DELETE THIS INFORMATION, AND CLOSE THIS ACCOUNT FOR VIOLATIONS OF THE FCRA, AND FDCPA. I USED THE CASE LAW US VS XXXX INCORRECTLY, THIS IS HOW IT NEEDS TO BE USED. YOU ARE COMMITTING THE SAME VIOLATIONS AS XXXX, AND YOU ARE CAUGHT, THE PROOF IN IN MY CREDIT REPORT! YOU ARE DOING THIS MALICIOUSLY TO KEEP THE DEBT CURRENT, AND EXTEND THE SOL DATE AS TO WHEN THIS ITEM WILL FALL OFF OF MY CREDIT REPORT! YOU ARE DOING THIS ON ALL OF THE ACCOUNT ON MY CREDIT REPORT! THE DATE OF FIRST DELINQUENCY SHOULD BE SHOWN AS WHEN THE BILLS WHERE GENERATED. YOU ARE DOING THIS TO DO CONTINUOUS DAMAGE TO MY CREDIT AND SCORE, AND ADD TIME TO WHEN THE ACCOUNT WILL FALL OFF MY CREDIT REPORT. THIS IS NO ERROR, I HAVE EVIDENCE THAT YOU ARE CONTINUING TO UPDATE THIS DATE.
06/09/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33161	Web
It has come to my attention that FIRST FED CREDIT CONTROL is claiming that I XXXX XXXX allegedly owe a debt in the amount of {$340.00} that I am not obligated/responsible to pay on in reference to Acct # XXXX with FIRST FED CREDIT CONTROL. FIRST FED CREDIT CONTROL is in direct violation of my privacy rights, somehow Without my consent via verbally or in writing and with no permission from me FIRST FED CREDIT CONTROL has obtain my personal information. As FIRST FED CREDIT CONTROL is well aware of these actions are also a violation of the HIPAA laws put in place to protect consumers. The fact that FIRST FED CREDIT CONTROL was able to obtain/purchase my personal information via a third party is illegal. I have never agreed to do nor do I plan on doing business with FIRST FED CREDIT CONTROL. This matter has caused me a lot distress both physically and mentally, defamation of character, and harassment. This is my final attempt and notice to contact FIRST FED CREDIT CONTROL to resolve this matter. Im giving FIRST FED CREDIT CONTROL seven ( 7 ) calendar days to resolve this issue or I will pursue legal actions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
09/12/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33313	Web
I received a correspondence from First Federal Credit Control, XXXX dated XXXX XXXX, XXXX about an alleged debt. On XXXX XXXX, XXXX, I sent First Federal Credit Control a certified letter requesting valididation of the alleged debt, and demanding that they only contact me via mail to my current mailing address. On XXXX XXXX, XXXX at XXXX, I received a call from their representative inquiring on how I want to make the payment on the account. I politely informed her that I sent them a validation letter, and also demaded that they do not contact me via telephone. The representative rudely told me that I owe the company, I must pay or it will be reported to the credit reporting agencies. On XXXX XXXX, XXXX, I received an alert from XXXX stating that First Federal Credit Control added a collection account to my credit report. I made it very clear in my letter to provide me validation of the alleged debt, to not contact me via email, and also requested that they do not report this alleged debt until they validate this alleged debt. I still have not received any responses from my correspondence nor any documents validating this alleged debt.
11/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33313	Web
I received a correspondence from XXXX XXXX XXXX XXXX, XXXX dated XXXX XXXX, XXXX about an alleged debt. On XXXX XXXX, XXXX, I sent First Federal Credit Control a certified letter requesting validation of the alleged debt, and demanding that they only contact me via mail to my current mailing address. On XXXX XXXX, XXXX at XXXX, I received a call from their representative inquiring on how I want to make the payment on the account. I politely informed her that I sent them a validation letter, and also demanded that they do not contact me via telephone. The representative rudely told me that I owe the company, I must pay or it will be reported to the credit reporting agencies. On XXXX XXXX, XXXX, I received an alert from the credit reporting agencies stating that First Federal Credit Control added a collection account to my credit report, which bluntly ignored the FCRA laws. I previously filed a complaint, and they replied that they have validated the debt, which they have not provided any legal documents to properly validate the debt per FCRA. On XXXX/XXXX/XXXX, I sent another complaint through CFBP, and they completely ignored it
08/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33406	Web
On XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by First Federal Credit Control by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/2019. To date, First Federal Credit Control is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.
03/23/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33487	Web
I had a hit on my credit report for {$560.00}. I was notified by XXXX XXXX and XXXX XXXX. When I opened it to see what it was from, it said collections from First Federal Credit Control. I have never heard of them and was never notified by them at all. I had no knowledge of this debt, received zero debt validation. So I called the number listed and the lady ( XXXX XXXX ) was the rudest person I have ever spoken to, even hung up on me multiple times. Just kept telling me to pay it and she will remove it from my credit, but could not tell me what the amount was for and why it was so much. She said they tried sending me something in the mail, but it was returned to them since they had the wrong address. So she acknowledged that I never received anything in writing regarding this debt. After finding out the bill amount from the doctor 's office, the collections agency still said the amount is {$560.00}, when the original bill was {$460.00}. She told me she can't do anything about the amount and that I need to pay it. I asked multiple times to be transferred to someone else or a manager and they just kept hanging up on me.
05/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32819	Web
I recently received a copy of my credit report. I noticed several collections accounts reported by First Federal Credit Control for alleged medical debt. I wrote a letter to this collection agency onXX/XX/XXXX and sent it to them certified mail. In my letter, I requested validation of the alleged debt and HIPAA authorization. I advised them I did not recall giving my permission for XXXX XXXX XXXX XXXX XXXX to release my medical information to a 3rd party. I requested a breakdown of fees including any collection costs and medical charges. I also requested a copy of my signature with the provider of service to release my medical information to them. Lastly I requested that all reporting to any credit bureau cease until the alleged debt was validated by myself. I did not receive any paperwork showing my signature or authorization to release my personal medical information. I received copies of specific diagnosis codes with personal medical information, service dates and charges. I have also filed a complaint with the Office for Civil Rights due to my strong belief that my health information privacy acts was violated.
07/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28216	Web
I am writing to file a formal complaint regarding invalid debts that have been erroneously listed on my credit report. Upon reviewing my credit report, I discovered a debt that has been attributed to me by First Fed Credit Control, without any prior communication or knowledge from their end. I would like to bring to your attention the following details : Lack of Account Information : First Fed Credit Control has not provided me with any account number or relevant details regarding the alleged debt. As a result, I am unable to verify the authenticity or accuracy of the debt. Absence of Communication : I have not received any correspondence, written or verbal, from First Fed Credit Control regarding the debt in question. This lack of communication raises doubts about the legitimacy of the debt and suggests possible fraudulent activity. *No Recent Inquiries : To the best of my knowledge, I have not initiated or authorized any recent inquiries or transactions that would lead to the existence of a delinquent account. This further supports the notion that this debt is a result of identity theft.
09/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44124	Web	Servicemember
On XX/XX/2021 a validation of debt letter was sent to First Federal Credit Control XXXX. I asked to send any and all information they had that would prove i owed a debt with them. Which would show the date each debt was established, a breakdown of all fees and some type of agreement between us saying that i owe each debt and i agreed to pay. They sent out a few pages with a company name of hospital but no real validation. They failed to show any documentation with a breakdown of the alleged debt that is owed. What i mean by breakdown can be example : Physical on inserted date amount owed {$50.00}. I do not Validate their " proof '' of validation and since i am the consumer i am the only one who can say if the debt is valid I'm saying this debt is NOT valid. In the amount of {$300.00}, {$110.00}, {$210.00}, {$99.00}, {$77.00}, {$100.00}, {$100.00}, {$160.00}, {$160.00}, {$110.00}, {$200.00}, {$140.00}, {$69.00}, {$96.00}, {$72.00}, and {$210.00}. I am unable to upload documentation but upon request i can email or fax my letter of validation and their response of proof.
08/11/2017	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33404	Web
I previously address my concerns of First Federal Credit control services with the Better Business Bureau informing them that I did not have a signed contract nor any contract with First Federal Credit control services. I have never done business with this company, I am not liable for collection I do not have a signed contract nor any contract with First Federal Credit control services. I have never done business with this company, I am not liable for collection from First Federal Credit control services. I am not responsible for this debt from First Federal Credit control services. The Collections that are being reported to the credit agency are in the amount of XXXX, and XXXX. Better Business responded within the same day informing me that First Federal Credit control services are licensed within the state of Florida. This information is not accurate. Better Business Bureau responded with a license number For First Federal Credit Control XXXX XXXX this information is still accurate First Federal Credit Control is not licensed in the state of Florida
03/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19406	Web
Received notice from First Federal Credit Control XXXX, a Debt Collection agency and responded with a Notice of Dispute. Requesting the following information. 1. A detailed accounting of what the money you say I owe is for ; 2. A detailed explanation of how you calculated the amount you say I owe ; 3. Copies of any documents that show I agreed to pay what you say I owe ; 4. Identify the original creditor and provide their current contact information ; 5. Proof that the Statute of Limitations has not expired on this account ; 6. Documentation showing that you have the legal right to collect this debt ; 7. Documentation showing that you are licensed to collect in my state ; and 8. Provide me with the contact information for your Registered Agent for Service of Process. Received a call from collection agency who said they received my notice and are not required to provide any of the requested information and would not be sending anything. They put a late notice on my credit report despite this not being a valid debt and receiving Notice of Dispute.
01/18/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NC 27834	Web
XXXX XXXX reported to the credit bureaus that I had an unpaid balance of {$290.00}. The balance should have been covered with by my health insurance company. I ended up switching jobs during the billing cycle, but I maintained health insurance the entire time. Nonetheless, I called them and the error was corrected and they said that I did not owe any money. They said they will have it removed from my credit reports. About 2 weeks later, I get a call stating my insurance did not cover it all and that left a balance of {$57.00}, I said okay, Remove the old amount of {$290.00} and I will pay the {$57.00} once it had been removed..A week or so after I spoke with them about the {$57.00}, It reported to my credit reports. So now i have XXXX collections on my credit report and it dropped my score significantly. I am in the process of trying to buy a home and this is conflicting with my pre approval from the bank. THey told me at XXXX XXXX that it should only take about two weeks to have it removed from my credit reports, but I have yet to see that happen.
10/25/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33313	Web
I received a correspondence from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX about an alleged debt. On XX/XX/XXXX, I sent First Federal Credit Control a certified letter requesting validation of the alleged debt, and demanding that they only contact me via mail to my current mailing address. On XX/XX/XXXX at XXXX, I received a call from their representative inquiring on how I want to make the payment on the account. I politely informed her that I sent them a validation letter, and also demanded that they do not contact me via telephone. The representative rudely told me that I owe the company, I must pay or it will be reported to the credit reporting agencies. On XX/XX/XXXX, I received an alert from XXXX stating that First Federal Credit Control added a collection account to my credit report. I previously filed a complaint, and they replied that they have validated the debt, which they have not provided any documents to properly validate the debt per FCRA. On XX/XX/XXXX, I sent another complaint through CFBP, and they completely ignored it.
04/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43055	Web
FFCC-XXXX XXXX I have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with FFCC-XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt FFCC-XXXX and I believe it is a HIPPA Act violation. I request that FFCC-XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FFCC-XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
04/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 440XX	Web
This is the email I sent to Collector XXXX, Yet Have no get response from her yet Dear XXXX : Attached please find the attachments from XXXX XXXX and XXXX XXXX As you can see before doing any procedures the provider will give you the detailed charge for the patient and insurance part. XXXX did not give me anything about the {$3000.00} charge for bone graft. the dentist told me that one tooth implant costs about {$200.00}, I should pay about {$1000.00}. the rest 50 % insurance will cover. If they can give me such details like XXXX XXXX and XXXX XXXX gave I will not do such a bone graft since the dentist told me the implant total cost is {$2000.00}.. Also if not I insisted on calling XXXX. XXXX will not pay such money one year later since the provider can not give the documentation XXXX asked for. If they can show me the detail charge about {$3000.00} for bone graft charge before procedure, and my acknowledgment ( I signed ) I definitely should pay the cost whatever they did I will also send response to CFPB Thanks XXXX
10/01/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44060	Web	Older American
I first learned about this " debt '' when I checked my credit report on XXXX XXXX. My rating had dropped 9 pointes because there was a collection from First Federal Credit Control ( FFCC ) on it. I contacted FFCC and they told me I owed {$10.00} to a doctor from 2017. I told them I had never been notified by phone or in writing of any such debt. I called the doctor ( and their billing company ) and they told me their records did not show any such debt, nor did they turn over anything to a debt collection company. I called FFCC again and they told me that the collection effort would stay on my credit report until I paid the debt, preferably online on their website. I have never received ANY communication of any kind from the doctor, the billing company or FFCC about owing any money. I had to call them! They never contacted me and supposedly this debt is 4 years old! I have filed a complaint with XXXX but I want this removed from my account. How do I get this company ( FFCC ) to remove this debt?
03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44035	Web
I've sent the credit Bureaus letters to verify the debt on my credit report. In response the credit Bureaus have looked into the matter and sent back reports saying, they have verified all the debts correctly. However, my credit report is still showing inaccuracies. I have highlighted the inaccuracies on my credit report. You will see the dates don't match up and are inconsistent from, Date Opened, Last Reported, and Date Last Active. The inaccuracies below- * First Federal Credit : Account Number : # XXXX For all 3 credit Bureaus * XXXX XXXX XXXX XXXX Account Number : # XXXX On XXXX Credit Bureaus Report XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX- Account number XXXX XXXX 15 U.S. Code 1681s2 ( A ) ( 1 ) - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
05/23/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 201XX	Web
Hello my problem is in regards to a collection which has appeared on my credit reports and which I have no idea what it i sand or who it is from. The agency attempting to collect has been notified various times through dispute to provide me with validation ot the debt from the original source, because all they send are invoices which prove nothing more than what is now part of the public record. All disputes have fallen on deaf ears in hopes I go away. I have asked for compliance to the FCRA and the FDCPA which states they are to provide me tangible documentation. All disputes come back with no change. With no response. With nothing more than a ham handed stamp that the dispute meets compliance when nothing of an investigative nature was performed nor provided to me. It is my belief that the collection is fraudulent and illegal. I am asking for assistance as a meditator to this matter. To assist me in the correction of this problem and the removal of the fraudulent collection.
07/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33971	Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
06/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08060	Web
Upon looking at my credit report, I noticed a collection account with First Federal Credit Control out of XXXX, OH. Once I was able to locate their contact information, I called the company to inquire about the matter. I attempted to call a few times in late XX/XX/2021, and finally made contact with a representative on XX/XX/2021. I spoke with an agent named XXXX who would not give her last name but provided identifier XXXX. XXXX did not even verify my information, just began talking to me about some medical debt from a place I was not familiar with. It concerned me that my information wasnt even safeguarded in the event someone else tried obtaining my information. Its a GLBA requirement ( specifically 15 USC 6801 ) to verify all information prior to giving out personal information ( I have been in the mortgage servicing industry for over 10 years ). I simply asked for written proof of the debt owed, but was talked over and would not be provided the information.
08/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32812	Web
On XX/XX/2017 I had an outstanding balance of XXXX On my XXXX XXXX Credit Card. I paid off the full on the card and request that credit card be closed since I already had another XXXX XXXX Credit card. I was in the process of making a purchase about 3 months ago, when it came to my attention that the above mention Credit Card has a one 30 day late on XX/XX/XXXX and two 60 days on XX/XX/XXXX and XX/XX/XXXX. I called the Credit Card several time to try to understand why I was showing any late when I had paid off the account and closed it in XX/XX/2017. No one could not explain the reason why is this reflecting in credit. I called several times to try to get this error clear from my credit report, requested to speak to a supervisor but XXXX XXXX representative leaving me hold for a long time that I had to hang up the phone. In regards to First Federal Credit Collection. this is a collection that was paid by my employer because of an injury caused at work.
08/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44118	Web
I spoke with an XXXX representative with a reference ID of XXXX XXXX on XX/XX/XXXX, at XXXX EST. The conversation was regarding a debt that has been paid on my account which XXXX refuses to remove as a collection from my report. Here are the last 4 digits of my social security number - XXXXThe creditor claims they shared the information with XXXX on XX/XX/XXXX. XXXX claims the creditor updated them in XXXX that the bill was still unpaid. Both entities continue to swear to these statements. The creditor is First Federal Credit Control. Here is their link. https XXXX //www.ffcc.com/ The amount owed was is {$150.00}. I spoke at length to the creditor and they acknowledge the debt has been paid and was reported to XXXX on XX/XX/XXXX of this year with the following credit report number XXXX. I also filed a dispute with XXXX. My dispute confirmation number is XXXX I am purchasing a home. This should have been removed. Please help. Thank you.
04/19/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33404	Web	Older American
First Federal Credit XXXX XXXX XXXX. # XXXX XXXX, Ohio XXXX These people are debt collectors. I disputed a bill from a XXXX for charges they allege were not included in the payment they received from my insurance company. I was refused treatment by this provider and they made an insurance claim anyway which was paid and are seeking additional money from me. The debt collector reported to the credit rating agencies a " debt in collection '' which reduced my credit score by 31 points. I called the debt collection woman and she said she could do this even if the debt was disputed. That's not my understanding. I just kow tow downed to their questionable legal blackmail and paid the {$110.00} to reinstate my good credit rating. The creditor they are stating who they are doing the collection process is not the doctor that I saw these people here are not even in the state. They got me confused with someone else and they damaged my credit.
10/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44094	Web
I have contacted First Federal Credit Control on a matter that pertains to my credit. I have been a victim of fraud. I sent First Federal Credit Control a copy of my FTC affidavit via certified mail. I have 4 accounts on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to First Federal Credit Control to remove these 4 fraudulent accounts from all three credit bureaus ( XXXX, XXXX ) and First Federal Credit Control disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay First Federal Credit Control and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!
07/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH XXXXX	Web	Older American, Servicemember
1. XX/XX/2017 Received balance due notices from Drs. Presumed they billed primary insurance ( XXXX XXXX of Illinois and secondary coverage with XXXX. ). 2. Phoned XXXX. office ( XXXX ) advised operator my name misspelled on billing notice and advised them that this may be the problem submitting bill to my insurance providers. Gave correct spelling and XXXX #. 3. XX/XX/2017 received " XXXX XXXX XXXX XXXX notice. Name still misspelled, at XXXX, I phoned XXXX. and spoke with " XXXX '' advising her that my name was misspelled and that may be the reason why they are having trouble with insurance. 4. XX/XX/2017 followed up conversation above with a hard copy letter and fax repeating error on their part and sent copy of XXXX Summary Notice. 5. XX/XX/2018, received a collection notice from " First Federal Credit Control , Inc. '' with threat that unpaid balance will be reported to Credit Bureau. 6. XX/XX/2018 filed complaint with CFPB.
05/10/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33179	Web	Older American
The amount of {$190.00} has ( should ) been paid by my Medical Insurance : PREFFERED MEDICAL PLAN to XXXX XXXX XXXX Ive been referred on XXXX XXXX.2015, to XXXX XXXX XXXX by my Medical Insurance which sent a Referral as they requested. Without Referral the XXXX XXXX XXXX will not do the procedure unless if the patient will pay on the spot. I paid my Medical insurance monthly, till to the end of XXXX 2015, after that the Insurance went out from the Market. When I received the letter from XXXX XXXX XXXX requesting me to pay {$190.00} I called them immediately to clarify the matter. As it said on their letter : If you have any billing questions, please call XXXX XXXX at XXXX I was calling every day but XXXX XXXX XXXX, never answered, so I left message every single day but he never returned my call. He preferred to send me to CREDIT REPORT AGENCIES.NAMED : FIRST FEDERAL CREDIT CONTRAL, XXXX, that already reported me to Credit Agencies
03/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32128	Web
I sent this agency a letter to validate an alleged debt of {$96.00}. I was NOT provided with the documents I requested from them to validate the debt. Since they have not supplied the demanded proof of the alleged debt, my presumption that no proof of the alleged debt, nor therefore any such debt, in fact exists. Under the Fair Debt Collection Practices Act, they are required to respond to my request for validation within 30 days of receipt of my communication. However, the debt has not been validated. Under both State and Federal consumer law I have the right to have this debt validated, and they are obligated to respond within the statutory time limit. I have also asked the agency to stop reporting to the credit bureaus until the debt is verified, however they ignored my request and continued reporting to the credit bureaus which negatively impact my credit score. This agency must cease any credit reporting actions immediately.
05/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	LA 70706	Web
I have paid this debt before I moved to Louisiana and yet they still continue to try to collect monthly on this account. This debt was not verified, and is currently in dispute with the credit agencies again for verification. It was removed from ALL my credit reports except for XXXX. Please see if this company will remove this trade line since it was not valid. I will paste their information. Collection Agency : First Federal Credit Control. Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Account XXXX Original Creditor : XXXXXXXXAddress Identification Number : XXXXStatus : Collection account. {$230.00} past due as of XX/XX/XXXX. Date Opened:XXXXXX/XX/XXXXDate of Status:XXXXXX/XX/XXXXReported Since:XXXXXX/XX/XXXXLast Reported Date:XXXXXX/XX/XXXXType : CollectionTerms:XXXX MonthsMonthly Payment : $ 0Responsibility : IndividualCredit Limit : $ XXXXHigh Balance : N/ARecent Balance : $ XXXXRecent Payment : {$0.00}
12/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33312	Web
XXXXXXXX XXXX XXXXXXXX which is the name of the doctors office I have been a patient at for several years is reporting a collection in the amount of {$270.00} that I know nothing about. I have not had a lapse in insurance coverage. I am currently working for The State of Florida since XX/XX/2014 with no lapse in insurance. Before that I worked for XXXX XXXX XXXX XXXX XXXX now known as XXXX XXXX XXXX XXXX for 15 years with no lapse in coverage. I have filed a dispute on the XXXX XXXX website which they send the response to me that the collection is verified. I am a person who pays ALL my bills on time as my credit report shows. My insurance premiums are deducted from my payroll. I am currently a patient with XXXXXXXX XXXX XXXXXXXX. When I question them they have no idea what I am referring to. First Fed Credit Control is the agency listed on my credit report that is handling this for XXXXXXXX XXXX XXXXXXXX.
01/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33411	Web
I have sent mail to the credit reporting companies about inaccurate information being reported on my credit report. The company has failed to prove that the bill they continue to report as delinquent is in fact mine and what it was for. All of my bills are paid from XXXX XXXX XXXX XXXX and i have sent 3 letters to " XXXX XXXX '' to provide a breakdown of fees including any collection costs and medical charges, Provide a copy of my signature with the provider of service to release my medical information to them and to Cease any credit bureau reporting until the debt has been validated by me. I requested full documentation of what they received from the provider of the service in connection with this alleged debt as im 100 % sure it is inaccurate. They have failed to provide any of it and I'm requesting you step in to help resolve the issue. I have attached the letter that was sent to them 3 separate times.
02/02/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL XXXXX	Web	Servicemember
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX contact XXXX who is a Collection Department/Attorney/Agency who threatened to put this particular debt and another on my credit after I told them that I do not know who they are, I do not have an account with them and NEVER had an account with them. I have seen at least XXXX times in 1 month where they have attached derogatory remarks and collections to my credit which i'm sure is illegal. I have attempted to dispute the information which is damaging my credit. I am filing an official complaint because my debt was sold to this agency from Florida XXXX XXXX, which I never received an invoice or bill for {$560.00}. I explained that to them on a line i record and now my credit is being damaged and i never even knew i owed them until recently! I have a copy of the credit report where they are putting derogatory remarks and collections on my account.
12/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33309	Web
I have been in contact with this company for quite some time and I'm not getting anywhere. It si not fair for doctor office to sell your personal health information to collection agency because they failed to bill my insurance in a timely manner. I did have XXXX and XXXX at the time of service with XXXX XXXX, in which they did have have. I've contact 1st Federal Credit and they would not assist me stating they can ' locate my account one minute then the next minute they locate it but can't explain how i owe the bill. They advise me to go back to the doctor office for assistance and every time i contact them i have to leave a voicemail and never receive a call back. They are over charging me and has added this to my credit file. I have 2 charges for {$62.00} and one for {$140.00}. This is getting so frustrate, I also file a complaint with FTC as well. I really need assistance with this. This is fraudulent
01/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 443XX	Web
This complaint is about incorrect information reported by First Federal Credit CTL on 2 medical bills. XX/XX/XXXX I agreed to their request to have a payment plan to pay my account balance in full. They collected a payment of {$50.00} then and another one on XX/XX/XXXX. Payments are automatically deducted by them. As of today they continue to report these accounts as delinquent and unpaid. ************************************************** Here is a copy of my receipt from them : FIRST FEDERAL CREDIT CTL XXXX XXXX XXXX XXXX XXXX. XXXX, OH XXXX United States TYPE : Purchase ACCT : Visa {$50.00} USD CARDHOLDER NAME : XXXX XXXX CARD NUMBER : # # # # # # # # # # # # XXXX XXXX : XXXX XX/XX/XXXX XXXX REFERENCE # : XXXX XXXX M AUTHOR. # : XXXX TRANS. REF. : XXXX Approved - Thank You 100 *************************************** I have called and emailed the company twice and no corrections have been made.
07/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44094	Web
This complaint was not resolved XXXX. First Federal Control did not send ALL the requested documentation that I request for validation. Merely sending copies of a statement is not validation. Anyone can make copies! FCDPA laws are being violated and this complaint was sent to Attorney General Office. The documentation that was asked for was not provided nor did the documentation get sent to CFPB. In my prior complaint number XXXX you will see ALL the documentation I requested was not sent! This is my last attempt to rectify these erroneous accounts that first federal control has not validated and have put on my XXXX credit report. I take my credit serious and this is ruining my credit score and credit to the extreme. I am a victim of identity theft and no consumer should have to endure such foolishness! While in dispute this better be removed IMMEDIATELY! Send ALL the documentation that was requested!
08/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33162	Web
On my XXXX report I have an item being listed as : Collection Agency : FIRST FEDERAL CREDIT CONTROL Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/2017 Original Amount Owed : {$300.00} This item is NOT mine. I have provided my social and DOB to the collection agency and they determined it was an error and that the item belongs to someone else with the same name. First Federal Credit Control ( FFCC ) provided a letter saying they have removed that item and I have included this letter in a dispute to XXXX on three separate occasions. On each dispute XXXX wrongfully determines the item does belong to me. XXXX claims they are waiting on FFCC to remove the item ; FFCC claims they have removed it and it us up to XXXX to delete it from my credit report. I have contacted each agency on several occasions and none of them seem to be able to take any further action to remove the item.
02/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28278	Web
I received the attached letter from First Federal Credit Control XXXX XXXX dated XX/XX/2023. I already advised them over a month ago this balance was paid. However, they are attempting to collect a non-existent debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a paralegal and have worked many years previously in debt collection. I want in writing that this was a mistake sending this letter so that I have this for my records. It is not legal to threaten to furnish a non-existent debt to the consumer reporting agencies. Also, just for this company 's information, when they say " THIS DEBT WILL BE REPORTED TO THE NATIONAL CREDIT BUREAU, '' that is also inaccurate and they should look at updating their letter. They do not " report '' they " furnish '' information to the consumer reporting agencies. I've attached the debt collection letter, as well as the receipt showing this was already paid.
09/08/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	DC 20001	Web
In XXXX, I received a written letter from First Federal Credit Control XXXX, noting that I had {$100.00} in past due medical debt from the XXXX XXXX XXXX XXXX and XXXX. I had no record of having this debt, so I went on the First Federal Credit Control XXXX website and filled out a dispute on their site for disputing debts : https : //ffcc.com/disputes. I completed the form and asked for debt validation, including the records associated with the debt. I never received any debt validation, in writing, or via phone. Instead, on XX/XX/XXXX, I received a repeat letter noting that I had {$100.00} in past due medical debt. This debt is false, and I've never owed it. Yet, First Federal Credit Control XXXX has reported this debt and had it put on my credit report, which was spotless prior to that. I have verified with The XXXX XXXX XXXX XXXX and XXXX that I don't owe them any debt.
01/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20874	Web	Servicemember
I was pregnant in XXXX. after I discharge from hospital ; My health insurance paid all my expenses. I received separate bills from doctors. I paid for all of them. I did not receive any bills standing. 3 years later when I pulled my credit report ; I saw that same depth collector " FIRST FED CREDIT CONTROL : '' put 17 collections averaging less than {$100.00}. They did not send me any letters or did not contact me. This is an unlawful and illegal way to attempt collection. Also, They report the 3 credit agencies 17 times the same amount. Credit agency especially XXXX, reporting wrong information. They like to report negative items in the credit reports that banks can ask higher interest. This is not the fare of doing business. FIRST FED CREDIT CONTROL collection did not attempt or show proof of depth to me. They should remove all negative items from 3 credit companies asap.
07/25/2020	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	OH 44120	Web	Older American
On XX/XX/2020 I received a a telephone call from a woman who identified herself as XXXX XXXX and stated she was calling on behalf of First Federal Credit Control, a collection agency and insisted I was indebted to XXXX XXXX Center in the sum of {$590.00}. I explained to her that the bill had been paid. She then threatened to impair my credit ( in a threatening, antagonistic and intimidating manner ) by reporting this debt to a credit reporting agency. Immediately after the threat she disconnected ( slammed the phone, in the old days ) the phone when I tried to repeat the bill was paid. Since it is easier for this senior citizen to hear conversations on a speaker, my guest, Mr. XXXX XXXX ..., heard the entire conversation. Since Ms. XXXX XXXX XXXX XXXX had information relating to my age and medical issues I believe she was trying to intimidate an old man.
11/07/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL XXXXX	Web
I am filing another complaintsince you failed to resolve this issue regarding my previous complaint. In your response, you said that you sent adocument to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION NOR JUST AN ITEMIZATION, but DEBT VALIDATION LETTER. This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.
06/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44095	Web
First Federal Credit Control has listed as of XX/XX/XXXX, 2 accounts totalling {$1400.00} on my XXXX report and 3 accounts on my XXXX report totalling {$1500.00}. I sent a certified Debt Validation letter giving them 30 days to respond. I have since filed a complaint with the XXXX, # XXXX in which First Federal acknowledged reciept of the certified letter on XX/XX/XXXX. The resolution i am seeking is validation of the alleged amounts. They responded to XXXX stating they could not find the accounts, spoke with a " XXXX '' who was rude and said that " My bills '' were in route and my debt validation letter was " Jargon '' that did not matter. I seek to have all listings from First Federal Credit Control removed from all 3 credit reporting agencies. They have not complied with my Debt Validation request giving them until XX/XX/XXXX to respond.
11/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33032	Web
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is attempting to collect on an out of statute debt. This is against the law, per the Fair Debt Collection Practices Act. Perhaps that doesnt matter to you, but it matters to me. In addition, this company has chosen to illegally add fees, clearly in noncompliance with the Fair Debt Collection Practices Act. Please provide proof that this account belongs to me along with documentation stating your FCC clearance and that you have not abrogated my rights in reporting this debt. FIRST FEDERAL CREDIT ( XXXX XXXX XXXX XXXX XXXX XXXX ) *** Opened XXXX XXXX XXXX Balance {$110.00} FIRST FED CREDIT CONTROL ( XXXX : XXXX XXXX XXXX XXXX ) *** Opened XXXX XXXX XXXX Balance {$110.00}
04/05/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 33441	Web
I purchase a XXXX XXXX XXXX from XXXX XXXX XXXX located in XXXX XXXX XXXX back in XXXX of XXXX upon having the vehicle is started to give major issues a/c went out it needed a tune up the biggest issue was the fuel pump went bad the car stalled on me XXXX XXXX had the vehicle towed from the broke down location back to my house and called the dealer and told them what happen the vehicle now is not drivable at all the dealership has sent a ridiculous amount claiming i owe them to collections and i do not i have the letter here from the first federal credit control threating for me to make a payment or the vehicle will be seized i do not owe this amount they are claiming i owe i have receipt proof of last payment and last contact person i would like my money back for the lemon they sold me and to be taken of the XXXX loan
02/12/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33326	Web
Pulled my credit report last week and noticed that a debt collection agency FIRST FED CREDIT CONTROL is noted on XXXX report in collections. I reached out to them on XX/XX/XXXX and gave the rep. all of my personal info they required to pull up my account. They were unable to find me in their systems. I was then told that a manager had to call me back about this situation. The manager hours later called me and stated that I owe {$120.00} for a medical bill in XX/XX/XXXX. I asked who was the original creditor and they were unable to provide this information and stated that they bought the debt from another debt collector and also did not provide that company information. So I am having trouble validating this debt and I do not recall ever getting services from the medical provided listed on the credit report.
08/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 44240	Web
I had 2 bills ( XXXX XXXX XXXX XXXX XXXX XXXX ) for XXXX XXXX. I made payments on the debt until the the balance was paid off. I received statements that the debt was paid in full. FIRST FEDERAL CREDIT, continues to insist that I still owe {$25.00} for to XXXX XXXX, but has never called me, return my call or has sent me a bill to pay. The account number they are referencing is XXXX, however the 2 bills I paid in full are acct # XXXX & XXXX. In addition the amount they say I originally owed is {$640.00}, which is the amount that XXXX XXXX has stated I paid in full. I have disputed this 3 times and each time the XXXX XXXX XXXX says that it is mine and has not had to provide proof. I have proof that both of the above accounts were paid in full and I would like this derogatory removed from my credit filed.
10/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
For more than three years I have been the victim of an abusive practice by First Federal Credit C. which has not stopped reporting to the three major credit bureaus a medical debt that does not belong to me even though the information they maintain in their files does not match my identity at all nor does it match the information they maintain on file with the credit bureaus, which I was able to verify through information obtained from the original creditor XXXX XXXX XXXX XXXXXXXX when I submitted this account through XXXX on XX/XX/XXXX and contacted both companies in order to resolve the situation. FIRST FEDERAL CREDIT C Original creditor : XXXX XXXX XXXX XXXXXXXX {$440.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX
12/31/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33068	Web
I requested validation from this company to prove I owe a debt they have been contacting me about. I requested they provide validation NOT verification. I requested proof that they have a right to collect a debt from me, I requested the appropriate balances and fees and a contract bearing my signature to prove the debt is mine. The company has mailed me a letter that appears to be typed because the names do not match, they are spelled incorrectly and most importantly the letter is in VIOLATION OF HIPPA. This company has listed medical procedures/ operations performed which is a violation of HIPPA . I request this company cease reporting to the credit bureaus immediately and provide proof that they will cease reporting to the credit bureau or I will be taking legal actions against this crime.
08/31/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32822	Web
Was sent a collection letter and responded within 30 days telling them this debt is the rsult of identity fraud. It appears that someone obtained medical services in my name. I did not receive any treatment from the original creditor. Asked the collection agency to validate the debt by sending me a copy of the SIGNED agreement to pay them. Since I did not receive the services, I knew they would not be able to do so, and in fact they never validated the debt. The agency continues to report the debt to the credit bureaus, and is not noting in any way that the debt is disputed. The agency is also reporting this debt TWICE with the credit bureau, with the same exact dollar amount, but with different dates about 4 months apart. This makes it appear that twice as much is owed.
06/28/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32811	Web
Upon checking my credit report I noticed a collection agency named First Fed Credit Control based out of Ohio reporting that I owe them {$340.00} for medical debt. I contacted this company and requested that they validate the debt by sending me a signed contract between myself and them showing that I owe this debt. After 30 days I filed a complaint with the XXXX XXXX XXXX advising of the above asking for a signed contract between first fed credit control and myself. They responded via the XXXX website stating that they do not have a contract with me. So Im trying to figure out why they are attempting to collect money from me that I do not owe them and have been reporting this to my credit reports. I want them to cease all collection attempts and remove from my credit reports.
09/10/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33619	Web
This is a debt to which I have no knowledge. The alleged debt was originally owned by another collection agency who XXXX the debt upon my dispute. It was removed from my credit file with both Transunion and Equifax. Apparently, First Federal Credit Control has purchased the XXXX debt and has now renewed the collection with the credit reporting agencies. I believe this act is illegal. The alleged debt was already disputed by me and XXXX by the former collection agency. A new collection agency should not be able to purchase a XXXX or already successfully disputed debt and then renew collection effort notice with reporting agencies as this could be an ongoing and never ending saga for the consumer. Once settled or successfully challenged, the debt should be non-reportable.
08/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 442XX	Web
First Federal Credit Control XXXX XXXX XXXX # XXXX XXXX, OH XXXX In 2016 I was covered by my husband 's employer sponsored medical insurance, XXXX XXXX XXXX XXXX of Illinois. He was directly reimbursed {$760.00} for my XXXX ride by XXXX XXXX XXXX XXXX. Check was SOLEY in his name only as he was the employee. He deposited the check in his checking account but REFUSED to pay the bill. As my husband was the guarantor of my medical bills, ( as he was the sole breadwinner at the time as well as providing for my medical insurance through his employer, XXXX XXXX XXXX ) he is liable for this debt. This is showing up on my XXXX Credit Report with a date of XX/XX/2016. Phone calls to FFCC and online disputes have proved futile. Additionally, I have made a complaint to the XXXX.
05/23/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33067	Web
I do not owe this debt. I have rechecked my dates that I was covered by my parent 's policy with XXXX and verified with the insurance company that I was actually covered from XXXX not as what I had presumed of XXXX. I came of my parent 's policy in XXXX XXXX. On turning the age of XXXX, it became my XXXX policy with XXXX and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX. All payments for health care services had been compensated for via insurance. I do not own any medical debts, I even had additional coverage in my employment package. Please note this to my prior entry I do not owe this debt. On turning the age of XXXX, it became my XXXX policy and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX.
06/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 441XX	Web
On XX/XX/2019 a derogatory mark was added on my credit report per XXXX XXXX from FIRST FEDERAL CREDIT and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
12/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web
The source of this debt, is co-insurance from a claim, being incorrectly applied. Unfortunately, I am homeless. Modifications have been made to medical debt collections, which are no longer supposed to show on credit reports, as of the coming year. When asked what will happen to this debt, as of the XXXX of the year, XXXX said that she didn't think that anyone really knew the answer to this. Please note that this debt is for less than {$100.00}. Explaining my situation, I had sent XXXX a fax. When I spoke with XXXX, she said she had not received XXXX. However, she did provide me with her e-mail address. On the XXXX of this month, I sent her a detailed e-mail. As of today, she has not replied. This is making it more difficult for me to get out of my situation.
10/11/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44122	Web
On XX/XX/XXXX I received an email that a new negative account had been added to my credit report. I logged in to check the account and found that an account from XX/XX/XXXX had been added from XXXX XXXX XXXX XXXX. I paid the bill directly to the XXXX XXXX on XX/XX/XXXX, so I attempted to call the collection agency to clear this up. I was transferred to a woman named XXXX, who proceeded to tell me that the account was mine and that I must have " received multiple bills '' -- yes, I did and I paid all of them. She then proceeded to tell me that she has a " very old account from XX/XX/XXXX '' and that they were contacting a lawyer about the account. XXXX never even verified my identity on this call. She also stated several times that my credit would be damaged.
04/30/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 15601	Web
Please note I'm redoing this complaint, called to canceled the orginal one # XXXX because I didn't have proper documents attached. I recieved a call from a medical debt collector asking for me to make an immediate payment of {$310.00} over the phone. I suspected this to be a scam and asked if they would mail me documentation and if it truly was mine then I'd make payment. The woman told me I would not get anything by mail and demanded payment. I continued to question the legitimacy and she hung up on me. I still to date have not received anything by mail or proof of this medical bill belonging to me. This phone conversation took place on XX/XX/20 at XXXX. If this is a real collector that call should have been recorded & this information can be verified.
01/12/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NC 27834	Web
I had an outstanding bill from XXXX XXXX that was incorrect due to my insurance information in the amount of {$290.00}. I contacted XXXX and gave them the insurance info they needed for the bill to be satisified. They agreed, zeroed out the account. About a week later they contacted me stating that my insurance did n't cover everything and left a balance of {$57.00}. I said okay, send me an invoice stating that amount and i will pay for it. I have talked to them on XXXX or XXXX accounts because both amounts are showing on my credit report as collections. XXXX for {$290.00} and XXXX for {$57.00}. I asked them to remove those amounts XXXX times now, and they still have not done so. It 's affecting my credit score and it is hurting my home buying process.
01/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33069	Web
I called XXXX XXXX XXXX to schedule a routine appointment. Confirmed by their receptionist that they accepted my insurance. About three visits in I was then told that they do not accept my insurance and I would have to pay for past visit plus this one. I do not believe that is fair to be as a patient to have to pay when I was told not one visit but multiple visit that my insurance was accepted. I shouldnt be held accountable for a mistake made by them. If I was told that my insurance was not accepted I would have went else where. Its the company negligence that cause the miss information and as a company they should not hold the patient responsible and provide better training for their employees to make sure this doesnt happen in the future.
12/08/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 34746	Web
These folks at XXXX of Florida is again claiming that I owe them. I filed a complaint against them here some time ago. I got an XXXX from them that caused me XXXX and so I brought it back to them and did not return there. XXXX. When I went by their offices, they accepted my insurance and additional payments that they required. I simply paid these people to hurt my XXXX and if that was not bad enough, they now have defamatory/derogatory mark on my credit report insisting that I owe them. Their representative First Federal Credit Control of XXXX XXXX XXXX XXXX, XXXX OH. XXXX XXXX XXXX, wrote to me. I replied to them requesting verification of this debt and the contact information for the XXXX of Florida. I did not hear back from them.
04/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19023	Web
FFCC-CLVLAND ( Original Creditor : XXXX XXXX XXXX ) date opened ; XX/XX/2017 {$480.00}. I personally does not recognize this service. I've tried multiple times reaching out to XXXX XXXX XXXX to obtain more information, nobody could help me understand how this charge/service was obtained. This has really been preventing me from moving forward with my life ; i can't get any kind of loan or not even an apartment. This is a violation of The Fair Credit Act. This collection is inaccurate, wrong, misinform, unrecognized information this is on my credit report, which is preventing me from moving forward. its bad enough that COVID 19 has taken away my job, i don't need anything else to stress me out. I hope that CFPB can resolve this.
12/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33436	Web
I have been being harassed about a debt that I did not owe. This alleged debt is dated XX/XX/2017. I have requested on multiple occasions for this falsely reported debt to be validated and have been ignored and finally received a response that not only proves the debt is not owed by me but violates my rights under HIPPA laws. This document that will be included not only shows I had a XX/XX/XXXXbalance with this agency, it exposes my personal medical history the infringes on my rights under hippa law! The documents shows that the patient in question owed a XX/XX/XXXXbalance and was covered by medical insurance at the time of the procedure/appointments. Furthermore these documents show misleading and false medical information
05/02/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	OH 44134	Web
This concern is regarding First Federal Credit Control. This past month there was a request- formal and written requesting a validation of debt- certified. There has been no validation of debt provided to me and in addition I have received threats from them that they will call the police on me, this is a clear violation. This is all regarding an alleged debt that I do not have any validation of. While I still do not have validation of debt, this still remains on my credit report. It should be off my report as this is another clear violation. Please assist me in rectifying this as I feel threatened First Federal Credit Control. Company- First Federal Credit Control XXXX XXXX XXXX # XXXX XXXX OH XXXX Account XXXX
07/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34711	Web
First Federal Control has directly violated the regulations of the HIPAA Act of 1996. As I never signed a HIPAA form to authorize them to have access to the personal health information that was sent. Theyre saying they have an agreement with the company. They also have not provided any signature From me, therefor violating the fair credit reporting act section 609. I am sending in my last request to remove these items from my credit report Without any further action by me. If not, I will be moving forward with HIPPA Complaints, FCRA complaints and any possible legal action. I want it noted that Ive made First Federal Control aware of the violations and they have chose not to do anything about it. Thanks.
05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92879	Web
First Federal Credit Control reporting agency has been illegally been harassing me over the years. Providing false statements to the credit bureaus. In addition reporting a {$3000.00} bill on my credit report for a XXXX XXXX. I never owed {$3000.00} and never went back to him. I gave him XXXX in cash. And the dental work failed. I was told to eat what I wanted to eat and then part of the crown partial snapped and I ended up getting XXXX more bottom teeth extracted. In addition, he told me to come back in and his financial person refused to let me come back in for him to correct the error of the dental work. So, the dental work I paid for failed and they refused to fix it. This has been over five years ago.
12/14/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 440XX	Web
XXXX XXXX alerted me to a negative remark on my credit. I called the Doctors office. I was told they sent for statements. The office confirmed my mailing address and the address was wrong. They employed XXXX XXXX XXXX in XXXX Ohio to collect. I never got an invoice or a phone call. My XXXXredit score has been harmed 73Points, not I am unable to finance a new car. My credit score was XXXX. My credit was destroyed with no written notice, no phone call. When I spoke with the office at the doctor they said they were submitting the bill to my insurance again yet my credit was ruined by the Dr office and XXXX XXXX XXXX of XXXX Ohio. Had it not been for a notice from XXXX XXXX I would not have known about this.
02/19/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 21216	Web
This month I checked my credit reports and found an opened dispute from First Fed Credit Control from XX/XX/XXXX for {$90.00} as well XX/XX/XXXX for {$56.00}. I was never notified from the original creditor : XXXX XXXX XXXX about this owed debt. I did not receive a call or any mail to notify me of this debt. I also did not receive or hear anything from First Fed Credit Control. Therefore, I have had these derogatory marks on my credit report without ANY proper notification. I have still gone to the same XXXX XXXX XXXX to get treatment beyond these open collection dates, and was not told that I have an outstanding balance. It is to my belief that I do not owe any debts for the amounts listed above.
06/11/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	FL 33025	Web
I placed a call to first federal credit control on XXXX to inquire about a settlement and spoke to a representative by the name of XXXX at EXT XXXX. XXXX explained to me she would send me out a bill that I requested and she asked me how much I can pay to satisfy the debt and I gave her an amount she said it would take 24 hours before she can give an answer. XXXX failed to notify me that she was a debt collector attempting to collect a debt. About an hour later I received a call from XXXX and the agent explained I would n't be able to settle the debt I have to pay the full balance and she asked me when I planned to pay but she never disclosed she was a debt collector attempting to collect a debt.
01/25/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32818	Web
I sent them a letter so that they can verify the debt, around XX/XX/2021 A thorough breakdown of all alleged charges. They could not do it, I gave them 30 days to do so, and they did not send the correct verifications that I asked for. I then sent them another letter to verify it after almost two months On XX/XX/2021 Which should of taken a couple days because i sent it express on a monday. I told them they had 15 days to verify that the debt was mine. its been almost two months and still no removal or proof that the debt was mine. I even told them it was a violation of my consumer rights as specified under both the FDCPA and the FCRA. This was an amount for {$490.00} which I do not recall.
12/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33326	Web
In XX/XX/XXXX, I received a notice from FIRST FEDERAL CREDIT CONTROL XXXX concerning XXXX debts ( {$15.00}, {$15.00} and {$10.00} ), which represent copays that i had already paid to my Dr 's office in XXXX. My primary care physician retired in XX/XX/XXXX, and the practice was sold. Because the amounts were small, I paid them on XXXX XXXX. In XX/XX/XXXX, I tried to apply for a loan, and these charges still appear on my XXXX credit report. I contact FIRST FEDERAL and they sent the attached letters confirming that the debts were paid As of XXXX XXXX, these amounts were AGAIN reported on my XXXX credit report. I can not get them to DELETE them and to STOP reporting this already-paid debt to XXXX
04/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32811	Web
I checked my credit report and saw a debt from a collector named XXXX XXXX XXXX XXXX. I didnt know what this was until I contacted the agency. I found out it was a medical bill but didnt know when it was from. I have not received any written notification or bill from anyone prior to me getting a collections on my report. I contacted the agency and found out where it was from. It was from a hospital visit where they contract a private doctor to see patients. Well the hospital has my insurance information but apparently they do not. They could have easily went to the hospital and got my information but nope, they automatically report it as delinquent to my credit without contacting me about it.
12/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	DC 20010	Web
XXXX XXXX a Florida lawyer and debt collector with XXXX XXXX XXXX XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, Florida XXXX ( XXXX ) XXXX ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX and XXXX XXXX from First Federal Credit Control in XXXX, OH kept trying to collect {$3200.00} in medical debt that I did not owe and had been paid by my insurance company. I called and wrote them both and told them my insurance had paid but they put the onus on me to prove it and I finally did but had to call them numerous times and send them information. They tried to intimidate me into paying for debt I didn't owe and if weren't able to fight back, they would have ruined by credit rating.
08/18/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 752XX	Web
Collections agency has called a few times and let the phone ring 1x then hang up there has been a time or 2 for which i was at work and recieved the call. They were not understanding that i live in TX so the law to collect is 4 years for which this debt is past that time and I have contested the infomation on my my credit report but they keep saying that it FIRST FED CREDIT CONTROL Last reported XX/XX/XXXX {$1500.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 4 yrs, 7 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/13/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34747	Web
First Federal Credit Control contacted me asserting they were the rightful collector of a medical debt I was disputing. On XX/XX/2022 I mailed a letter to FFCU by way of Certified Mail, tracking XXXX. That letter was received by FFCU on XX/XX/2022. In my letter I requested a copy of the original debt agreement, a verification of debt and itemized statement. In a letter dated XX/XX/2022 I received a statement, I never received a verification of debt or a copy of debt agreement. I began to assume I was a potential fraud victim. I dispute this debt. I dispute FFCU has any claim to collect even if the debt were valid. FFCU has violated the statutory timeframe in which to respond.
03/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 44137	Web
A person by the name of XXXX XXXX calls my place of work and leave a message with a coworker for a call back, So I called her back and she proceeded to give me the mini Miranda and tell me about the debt she has in her office. I tried to tell her I never received a notice in the mail and asked her not to call my work anymore and she says she didn't know it was my work, we answer the phone with a biz name. I asked for an itemization of the charges since I did not recognize one of the charges she was describing but, she claims she can not get that since it is hippa protected, So I wanted to ask how you can collect something you can't prove I owe but she got angry and hung up on me.
01/23/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 44305	Web
XXXX was charging me double the charging of medical treatment before I had insurance. So when I set down with there medical billing department. I qualified for a program that paid my previous bills due to hardship. Also they paid the rest of the bills from XXXX all the way to XXXX. They printed from their screen that my balance was XXXX I did n't own anything anymore. I turned the papers in to XXXX they sent back their report telling me that this company will stay on my credit report until XXXX XXXX. I also came across a page that XXXX had written in file that I have n't worked in three years how can I pay these debts off. So score is staying at XXXX because of this company.
09/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33179	Web	Servicemember
This collector put a collection in my account that is not mine. The Same company tried this back on 2019 and it was removed by the credit bureau due to fraud and now they using this collection company to scam me to pay a depot that I ever owned and is not mine and clearly identity theft. I have XXXX debt I pay all my pills before due time in full. My certificate was XXXX and dropped 84 point due to this fraud scams. Please help me I am a veteran or XXXX XXXX abs have been working to bring my cedit up for over 10 years this is nit fair please help me. The collector name is first federal credit control for company called XXXX XXXX XXXX. Please help me to stop this criminals.
02/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33068	Web
I received bill from XXXX XXXX XXXX XXXX , XXXX stating that I owed XXXX dollars and that I am in collection. According to the Staff, XXXX XXXX, my insurance recently paid the account in XX/XX/XXXX and I am now in collection. I contacted the Hospital, XXXX XXXX XXXX XXXX XXXX Hospital, and spoke with the billing department. They indicated that my bill is paid in full for both the Hospital and Physician and that I do not owed a bill. I communicated to this to First Federal Credit Control and I ask for something indicating why I owe the bill. I staff became rude and informed me that she will report my account to the credit bureau to damage my credit history.
08/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33174	Web
I am writing to request the investigation and correction of a medical bill that appears on my credit report. The credit report number is XXXX and XXXX. The medical bill is listed under account number First Federal Credit C, and the account was opened on XX/XX/2020, and XX/XX/2020, by XXXX XXXX XXXX and XXXX. The amounts are {$940.00} and {$450.00}. This medical collection is inaccurate because I have emailed and sent certified mail to the company to verify and requested to send me a copy of my debt and I have received no reply. Please reinvestigate this medical collection and delete it as soon as possible. Thank you for your attention to this matter.
04/11/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 37027	Web
In XXXX XX/XX/2012, a police officer assaulted me in Florida then the unit on site sent me to the hospital involved with XXXX bills listed on my credit reports : First Fed Control # XXXX and XXXX # XXXX. I find the facts that I was sent to a hospital outside of my permission, did not sign any authorization for treatment, then was charged for this event as humiliating, degrading, and disrespectful. Since XX/XX/2012, I have received numerous debt collection letters related to this event that was dismissed by the Florida court system and remains on my record. I reported this to a representative of XXXX, and the accounts were considered accurate.
05/05/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	FL 33024	Web	Older American
I received a letter from First Federal Credit Control, Inc.indicating that I have been placed in collections by a creditor ( XXXX ). I called First Federal XXXX today and was advised that XXXX XXXX from XXXX wants to collect {$460.00}. I was involved in a motor vehicle accident and gave the hospital the name of my vehicle insurance company ( XXXX ). I have never received a bill from XXXX XXXX and feel strongly that he ( or she ) should have contacted me if XXXX did not cover the charges for accident which took place in XX/XX/XXXX. I am concerned that the doctor waited until XX/XX/XXXX to send me to collections without XXXX sending me a bill.
05/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 178XX	Web	Servicemember
I contacted First Federal Credit Control of XXXX XXXX in Ohio on XX/XX/2021 to pay off two debts. After completing payment over the phone via credit card, I received an email confirming deletion of accounts was requested. I waited after some credit bureaus still reported the account after 45 days ( one was deleted, one wasn't ) and contacted FFCC via email for them to honor the letters ( both dated XX/XX/2021 ). In addition I disputed the account as it still showed on my credit report. On XX/XX/2021 I received a response from XXXX that the account information will remain. I retained my bank statement from XXXX and the letter from FFCC.
06/01/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 765XX	Web	Servicemember
First Fed Credit Control is reporting XXXX Accounts in collections from Original Creditor XXXX XXXX XXXX. I have requested information on what the debts are for from First Fed Credit Control and they only provide " Date of Service ''. What was the Service? First Fed Credit Control provides phone number for XXXX XXXX of XXXX XXXX where service was to take place. XXXX XXXX of XXXX XXXX XXXX they are no longer owned by XXXX XXXX XXXX and provides another phone number that is only answered by voicemail with no return calls. Nothing but run around- they expect to be paid for a bill that they are not providing enough information on.
04/29/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web
FIRST FEDERAL CREDIT CONTROL HAS BEEN REPORTING TWO COLLECTION ACCOUNTS TO MY XXXX CREDIT REPORT FOR THE LAST SEVERAL MONTHS. I HAVE MADE SEVERAL ATTEMPTS TO CONTACT THEM VIA MAIL IN REGARDS TO DISPUTE THE VALIDITY OF THE DEBT BECAUSE THEY NEVER SENT ME ANYTHING IN THE MAIL ABOUT THE DEBT THEY CLAIM I OWE. FROM WHAT I CAN SEE ON MYXXXX CREDIT REPORT BOTH ACCOUNT NUMBERS ARE : # # # # # # XXXX, # # # # # # XXXX. FIRST FEDERAL CREDIT CONTROL HAS VIOLATED FCRA 15 U.S. Code 1692g ( b ) I HAVE ALSO ASKED XXXX TO REMOVE THIS DEBT FROM MY CREDIT REPORT IN A RECENT DISPUTE BUT WAS TOLD THA THE DEBT CAME BACK AS " VERIFIED '' AND ACCURATE.
09/30/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30030	Web
I had a XXXX XXXXXXXX and I had a specific Dr. that did my XXXX there was an incident where I had to have a XXXX, this Dr. which I gave me no right to be seen by me. I requested my Dr. to see me not this Dr- I'm assuming that was on call at the hospital. So I constantly requested from this XXXX XXXX XXXX Assist. proof of paperwork with my signature giving them authorization. Never received anything. I even submitted my paperwork to all three credit bureaus because they also violated the HIPPA law by giving my information to a third party. This has been on my report and I have been fighting this for a while. You are my last hope!
08/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33169	Web
FIRST FEDERAL CREDIT C took my identity and reported false information on my consumer report. I don't know who they are, I have never heard of them, and they cause my scores to decrease by 65 points. I never received any letter in the mail to have the ability to dispute or ask for a debt validation letter. A day before I was supposed to apply for more credit, I was alerted that my score I went down. I am holding this company responsible for the amount of money I was supposed to receive, but did not because of this adverse information. I don't even know what this alleged debt is for. I have attached a page of my consumer report
10/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NM 88101	Web
I got alot of different Medical debt that keeps showing up on my report under new postings despite some if it is 5-7 years old Also got a bank reporting and its been 12-15 years since i've had an account with them XXXX XXXX XXXX Last reported : XX/XX/2018 {$1600.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention FIRST FED CREDIT CONTROL Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$710.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$340.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 These are just to bring a few.
02/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44313	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
08/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33024	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
06/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34744	Web
I saw a derogatory on my credit report from FFCC-XXXX ( First Federal Credit Control XXXX XXXX XXXX # XXXX, XXXX, OH XXXX ). I called them and wrote to them multiple times that I wasn't aware of what this debt was. I have always had health insurance with XXXX XXXX. I provided them with a copy of my insurance card. They are not replying to me. I wrote to the three credit bureaus about the situation, they dispute the debt and FFCC keeps putting it back on. Could you please help me with this false, negative item on my credit report as it is causing me problems with my business loan. Thank you so much Sincerely XXXX XXXX
02/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 44118	Web
First Federal Control shows up on my XXXX credit report several times as my owing them funds that was discharged in a chapter XXXX bankruptcy. Please see that they also show up as unknown just to report to the credit bureau, XXXX, to make my life horrible. Section 609 of the CFRA states that the only debts that should be reporting on my credit report are those that have been accurately verified. They should not be showing up at all as this debt was dismissed via a chapter XXXX bankruptcy back in XX/XX/2015. Also these are unverified debts which have also exceeded the statutes of limitations for the state of Ohio.
05/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30092	Web
On XX/XX/2017, First Fed Credit Control listed 55 separate line items on my credit report for one account. The original account is with XXXX XXXX and the original balance is {$9500.00}. There is only one account but First Fed Credit Control listed each individual service received during the procedure as a separate account and this is affecting my credit profile negatively. The procedure took place on XX/XX/2017. I contacted the company and asked them to investigate why the accounts are showing as separate. They would not provide an answer. But stated that each account will be closed upon receipt of full payment.
08/22/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 44256	Web	Servicemember
I paid in full 2 medical debts for First Federal Credit Control in XXXX of 2016. Proof of payment is available. I was assured the debt would be closed and removed from my credit bureau. The accounts were not closed, and after contacting the debt collector they stated they were having communication issues with XXXX. I have attempted to call numerous times to resolve this with no help. I now have two more debts with this company that I was unaware of, one for {$38.00} and one for {$120.00}. Which I want to pay but I will not pay another debt with them until they resolve the first issue which is still impacting my credit.
07/21/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AR 726XX	Web
On XX/XX/2020 I Contacted this company to ask them about the debt I seen on my credit report that I knew I did not owe, since I had XXXX on the service date of XX/XX/2020. The Original debt was from XXXX XXXX XXXX XXXX XXXX. When I contacted FIRST FEDERAL CREDIT CONTROL INC, They hung up on me when I tried to explain to them That I have Insurance and that this should not be on my credit report. When I called back and talked to another person they threatened to sue me for this debt I do not owe. I would like fraudulent debt removed from my credit report. I also tried to give them my XXXX number as well. Thank You.
05/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34957	Web
XXXX ( XXXX XXXX XXXX XXXX ) sold to : First Federal Credit Control ( 3rd party debt collector ) Original XXXX Member ID # XXXX XXXX ( Insurer ) XXXX originally coded procedure incorrectly as per XXXX Ref # XXXX all claims were presented and paid. XXXX is supplying all EOB 's ( Explanation of Benefits ) for XXXX. There is documentation conflicting XXXX 's notation of NO gap in coverage. XXXX was paid in full. Reported insurance fraud from XXXX and pending investigation along with documentation from XXXX. Have turned matter over to attorneys @ Consumer Attorney / Attn : XXXX XXXX - Legal Assistant. Phone No. XXXX.
02/12/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 443XX	Web
The name of company is First Credit Control, I didnt get enough information to dispute it. This bill is a worker comp bill that worker comp is going to pay. XXXX that I had done of my XXXX and XXXX. My Attorneys have submitted the bill. This agency took upon themselves of placing this bill all of the sudden on my credit. After my attorneys have handled it. They are harassing my credit flagging it to all credit bureaus. This will stop now. They are double dipping. My case with worker comp is still open. They arent authorized to put the bill on my credit. After it has already been submitted for payment. Its Fraud!
12/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85255	Web
XX/XX/2013 My Mother-In-Law went to the doctor. She was XXXX yrs old at the time. She gave them her insurance. They were suppose to cover the whole bill. When we received the bill my wife spoke to them and said they needed to submit it to the insurance company as My mother in law was 100 % covered for this. I have Never spoken to this collection company. My Mother in law passed away 3.5 yrs ago. This collection company is attempting to damage my credit by putting it on as a recent non medical collection. They are misrepresenting the debt and who it belongs to. This needs to be removed from my credit report.
04/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44121	Web
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is primarily stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to the stress you caused me..
02/07/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48336	Web
I have never provided my written authorization to First Federal Credit Control to have access to my medical files and records. They have clearly violated my H.I.P.P.A rights and destroyed my credit. I DO NOT have a contract, written nor verbal regarding the debt they are claiming I owe. I have tried to resolve this issue with FIRST FEDERAL CREDIT CONTROL but they are careless and have no respect for the rule of law. I don't owe them anything, I don't have a contract or financial obligation with them whatsoever. They must DELETE the NEGATIVE info they have put in my XXXX XXXX XXXX.
08/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33180	Web	Older American
All of a sudden upon review of my credit score I see that I have an item in collections that I have never heard of before : FIRST FEDERAL CREDIT CONTROL Under dispute Account Info Account Name FIRST FEDERAL CREDIT CONTROL Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$230.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$230.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$230.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX XXXX
05/04/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 44134	Web
Account number XXXX The company is sending incorrect information pertaining the alleged financial agreement. They sent me the financial agreement with another provider that works independently from the provider they are alleging I have debt from. This is dating from XX/XX/2014. I am appalled that they would send false information in place of the information I requested. It is clear and evident no document with my signature exists with regarding this alleged debt. This needs to be removed off my credit report immediately prior to escalating all violations made from this company.
08/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	OH 44087	Web
Office visit dated XX/XX/2017 billed XXXX $ was sent to the wrong health insurance. I called them to provide the correct insurance card and they got paid XX/XX/2017. XXXX Hospital Billing still reported me to the Collections. I called the Collection ( s ) Agency twice to correct the discrepancy but was asked to pay first. I refused as I have proof of payment. I called the XXXX Billing again and reported the discrepancy few weeks ago. I found out that they have not corrected the discrepancy, and because of this, I am getting higher interest rate for home refinancing.
08/29/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 194XX	Web
I was randomly charged by a company called First Federal Credit Control , Inc. for the amount of {$150.00} USD as I have no association with this company. I submitted a request to inquire on the incident on their website and received no communication to remove this statement. I initially noticed this bill when I saw my credit score drop. I've read reviews for this company and it is clear that this is not the first incident. I am very upset and I hope you can help me resolve this matter ; I have submitted a XXXX dispute claim as well. Thank you for your time. Best, XXXX
05/27/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 445XX	Web	Older American
Doctor submitted wrong Code to Medical Insurance. His code stated Cosmetic, so the Insurance denied the claim. This was removed from Collections before. This is a second attempt to collect funds not due. I refuse to pay {$190.00} for wrong Code when the Doctor can resubmit under proper code and I will owe less than {$8.00}. I feel this is Fraud. This provider is attempting to collect money he is not entitled to. Samples were removed by the XXXX Doctor XX/XX/XXXX. This bill is from XX/XX/XXXX, not XX/XX/XXXX. XXXX Doctor and Hospital have been paid in full.
07/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33073	Web
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per FCRA, a creditor is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
02/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web	Servicemember
XXXX XXXX XXXX, SSN # : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX MEDICAL PAYMENT DATA Dear XXXX XXXX XXXX XXXX XXXX I am writing to dispute the following information that appears on my [ XXXX or XXXX AND XXXX ] consumer report : Dispute : " XXXX XXXX XXXX XXXX " File Number : XXXX " I don't recognize the accounts in question. " I'VE BEEN MADE AWARE OF SAME NAME REPORTING " I HAVE NO KNOWELDGE OFNTHIS ACCOUNT Thank you for your assistance. Sincerely, XXXX XXXX XXXX DEBT IS NOT MINE, SIMILAR NAME TO MINE WRONG REPORTING.
07/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web	Servicemember
In XX/XX/2021 and XX/XX/2021 I request that First Federal Control Validate an alleged debt that they claim I owe. I have been requesting Validation of Debt and HIPAA authorization that qualifies First Federal Control to Legally collect on this debt. I have asked for First Federal Control to Please provide a breakdown of fees including any and all collection costs and medical charges Please provide a copy of my signature with the provider of service to release my medical information to you I have requested this information over 60 days ago and NO RESPONSE
07/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32114	Web
First federal credit control is reporting a XXXX bill that I'm not financially responsible for. They have been contacted repeatedly by phone and mail by myself, and also the agency I was a XXXX XXXX for a family. There was XXXX insurance, and any amount owed after insurance, was to billed to the agency to be paid by the intended parents. The date of service was in 2015 for the balance of {$120.00}. A letter was sent informing the credit bureaus I wasn't financially responsible for this bill. XXXX continues to report this incorrectly and inaccurately.
12/17/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44109	Web
Received letter from First Federal Credit Control on XX/XX/XXXX, attempted to call on XX/XX/XXXX and every two weeks after requesting proof of debt. Hospital they collect for has a poor billing system and I wanted to see this invoice and either provide proof of payment or pay immediately. Called number and agent provided in letter. Never get to her ever, left explicitly detailed voicemail every time. No return calls ever, no proof of debt ever provided, submitted to the credit bureau without attempting to resolve with me or give me a chance to settle.
05/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	OH 440XX	Web
I submitted a complaint for XXXX XXXX XXXX XXXX XXXX Ohio. My XXXX score remains low. My XXXX score is fine. Why is XXXX XXXX and XXXX XXXX? The hit to my credit with First Federal has been paid and the address with doctor corrected and my credit scores are not nearly the same. I have contacted a lawyer to contact First Federal. I had the same problem with XXXX before. If my credit scores are so vastly different there is a problem. My problem is historically always with XXXX. Not sure what they are doing but its not correct and should be corrected.
04/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60649	Web
On XX/XX/XXXX, I disputed an alleged medical debt with XXXX XXXX XXXX XXXX , XXXX. I was never notified about this debt and they reported this to credit bureaus without properly validating the debt. On XX/XX/XXXX, the company responded saying they would remove the debt from all credit reports due to it's highly disputed nature. As of XX/XX/XXXX, this debt has not been remove from any of the credit reporting agencies and this is still damaging my credit worthiness. I am moving forward with submitting a complaint to my state 's attorney general office.
10/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 490XX	Web	Servicemember
I had my credit drop 43 point for an account put on my report I did not owe. I disputed this amount and it was removed from my report but the next day the same company First Federal Collections called saying they were going to destroy my credit even more if I did not pay them {$140.00} when I asked for a detailed list of the charges they all of a sudden were not able to produce it and when I threatened legal action they said they would remove the debt. When I contacted who they said the debt was from I was told my account was payed and nothing owed.
05/26/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 34746	Web
Went to XXXX and XXXX XXXX of Florida for some XXXX. After waiting almost a month for them they proved to be faulty, being very uncomfortable and causing me pain. I returned them to the office that I visited in XXXX and made them aware of the situation. They promised to fix it and let me know when they are ready. I made the payments requested of me and my insurance was billed. I then lost confidence in them since they took so long on both occasions and also the fact that they did not work for me the XXXX time, and especially since they hurt my XXXX.
05/24/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 43615	Web
I disputed the invalidated, inaccurate information with XXXX regarding the negative account and the information that this company continuously report on my credit file. I have sent them a certified letter requesting validation of this debt/information once I was aware of what they were reporting and the negative, inaccurate information. These accounts was paid by insurance before collections and they continuously state that it is not. I contacted the original creditor and they also do n't know what exactly this credit agency is trying to collect.
10/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 338XX	Web
I have requested Proper verification and validation to FFCC-CLVLAND Original creditor : XXXX XXXX XXXXXXXX this company has placed the account XXXX showing a amount owe of {$670.00} I have no knowledge of this account, I have disputed it multiple times and not documentation step by step validating this account has been provided. this account is affecting my credit report and as per the fair credit act I request a immidate removal from my XXXX credit report. Also XXXX fail to verify and validate this account as stated by the fair credit act.
07/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34711	Web
Please be advised I requested validation from the collector. I also requested proof of signature to my agreement of services not receive however I did receive a response that included personal medical records that clearly violates my hippa rights. Also the debt isnt fully verified without my signatures. The collector did not provide me a release that releases my medical information to them, therefor by providing such information they are violating my hippa rights. I will need to refer this violation to the appropriate people if items Remain.
10/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33328	Web
First federal credit control is trying to collect a debt from womens personal physician when there should not be a balance as services were not rendered. I refused services and did not sign a hippa concent for womans personal to send or sell my medical information to first federal credit. I want this to be deleted as I am disputing the amount as they can not prove any services were rendered nor is there any contract for services nor any hippa disclosure. They are reporting a closed account as open to XXXX, Which is inaccurate information
08/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44001	Web
I recently applied for a mortgage & my mortgage lender informed me that XXXX was reporting to collection accounts from First Federal Credit on my report. I called First Federal Credit & they informed me that these accounts were not mine but were my mothers & that they shouldn't be reporting on my report. I attempted to get the accounts removed by disputing them but they are still showing up on my credit report which makes no sense because the collection company is stating they aren't even reporting the information my to credit agencies.
01/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 761XX	Web
I have never done business with these company and they are saying this is medical debit. I have never done business with these company and through HIPAA laws no one can sell any of my medical debit under this law. This can not be my debt due to the fact that I have not done business with this company. I have not contacted this company due to this is not my debt and I have never done business with them. I do not want to speak with them and have them take my information and use that information against me. I will not speak with them.
08/15/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 44143	Web
In my XXXX and XXXX credit report, both had reports from First Federal Credit Control for {$85.00} owed. First Federal Credit Control also listed on the credit reports the same amount of {$85.00} with two different account numbers XXXX and XXXX. Double dipping on credit reporting. First Federal Credit Control never sent me notification of the debt for me to be able to review and dispute if necessary. I was just lucky to be viewing my credit reports for different reasons and happened to see the First Federal Credit Control reports.
11/09/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39110	Web
The XXXX 's visit in question and billed for {$490.00}, on XXXX/XXXX/XXXX, was to have been paid by an agreed third party corporate concern. A statement to that effect was hand written by the patient on the medical intake form the day of the visit and the same was done on all subsequent intake forms and visits by the patient. Had this not been the agreement the patient would have refused the service or XXXX XXXX would not have preformed the procedure. This was a referral by the XXXX XXXX of the patient in this case.
10/25/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MI 48092	Web
XXXX XXXX XXXX XXXX has violated my Federally Protected Rights under the FDCPA. I sent XXXXXXXX XXXX a letter to cease communication and they failed to comply with federal. I am aware I was never obligated nor responsible to pay a 3 party debt collector pursuant to 15 USC 1692a-3 I have received repeated phone calls with the means of coercing and swindling me into paying an alleged debt under 15 U.S.C 1692d ( 4 ). I have now put you on Notice to Cease Communication from me from all mediums as stated in attachment.
03/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 34714	Web
I found out last Sunday, XX/XX/XXXX, that my credit rating had been lowered and I learned from the XXXX credit bureau that the agency FIRST FEDERAL CREDIT CON was collecting a debt I had never heard of before. I have never been contacted by a collection agency. How can I pay a debt if it has never been reported to me yet it appears it is not mine? I, therefore, request that it be immediately removed from my credit report and that a validation letter and verification of the alleged debt be provided, please. XXXX
01/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 275XX	Web
Yesterday, XXXX contacted me through email that I had a change to my credit report. I checked it. First Federal Credit Control reported on my credit report that I owe two bills for the amounts of {$120.00} and {$74.00}. The report says the original creditor was XXXX XXXX. I have never heard of the collection company or the original creditor on my report. I also was never notified by the collection company or the original creditor for a bill. I am disputing both amounts since these bills do not belong to me.
10/17/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33414	Web
Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over 3-4+ years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?
01/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44266	Web
I have now disputed this 2 prior times and I received a response that this is my collection debt. This is NOT MY DEBT and i have asked and asked numerous times to send verification if they believe this is mine. I show ID and for every medical appointment I go to.This is not my collection and I am in the process of getting a Mortgage and this is holding me loan up. Please remove this from my credit file as this is not MINE. First Federal Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
10/10/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33054	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency furnishes an account without my written instructions.
10/25/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 338XX	Web
I Request my 3 credit reports, I saw I had an medical collection under First Federal Credit C ( Proper Name Does Not Show On Credit Report ) Charging Me The Amount of {$670.00} account XXXX as shown on report I request information about this account and never received it, I have dispute and requested proper validation and verifation of such account and that has been unsuccessful. I am formally asking for this item to be solved and removed from my 3 credit reports as stated by the fair credit act.
05/04/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 44134	Web
The company has sent me an incorrect form regarding the VOD- per a prior statement on another complaint they indicated the name of the provider is at the top of the sheet- however it is not. Therefore the document provided has nothing to do with the alleged debt and is not applicable to this. You can not send another providers information claiming it is applicable- clear violation. Since the company is unable to provide further documentation this needs to be off my credit report immediately.
02/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34711	Web
account paid off on XX/XX/2019. After reaching out to First Federal Credit Control, they assured that they took necessary steps to remove the account and suggested I dispute it with the bureau. After disputing the collection with the credit bureau, the results stated that the information was confirmed by the creditor to be accurately reporting. I reached out again to the creditor who advised it may take up to six months for the reported information to change, which I know to be inaccurate.
07/16/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 802XX	Web
in XX/XX/2023 I went a concert I parking my car in a spot available, I saw a XXXX XXXX for pay XXXX dollars for the parking, but the online service dose n't work I waiting for 45 minutes and nothing happen I was late for the concert I pay a good amount of money. After this I receive a collection note for XXXX dollars and threats. I want to pay the parking spot, but I coulde n't. For me is a form a theft because their system dose n't work I have to pay extra money for a parking spot.
01/02/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32773	Web
Hi my name is XXXX XXXX and I have sent this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH XXXX two validation letters asking them for the original contract showing that I have conducted business with them, which I XXXX XXXX has never done business with XXXX XXXX XXXX XXXX, account number ending in XXXXand XXXX XXXX XXXX XXXX never sent me the original contract, so I XXXX XXXX would like this to be removed off my credit reports and also from collections. Thank you!!
07/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32837	Web
I get a medical bill for {$1000.00}. Doctor office when I contact XXXX they tell me not. That my balance is {$230.00} after insurance. I send FIRST FED CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The information of XXXX. They still want me to pay {$1000.00} to remove this account from my credit report. I tell the I will happy to pay the {$230.00} that I owe. They say no. I dispute thru credit report agencies they say the collection company want all {$1000.00}. I need help.
10/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 32811	Web
I have been sending disputes to XXXX in the mail for over 6 months. In these 6 months I have not received one response back regarding my disputes. I also sent requests for debt validation ( per FDCPA ) to First Federal Credit Control and XXXX XXXX XXXX and they did not respond with the documents that they were supposed to provide. XXXX and XXXX removed the incorrect information from my credit reports but, XXXX refuses to even complete a dispute and sent me one letter back!
05/08/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 44134	Web
account XXXX First Federal Credit Control is not able to provide any signed correspondences showing that this provider was to turn accounts over to collections and/or bill. The company has yet to provide proof of this alleged debt, which the dates and/or services along side alleged debt is being disputed. Per this dispute along side the fact that First Federal Credit Control can not provide reasonable evidence that this debt is owed, this needs to be off my credit report.
11/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33415	Web
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments public records and student loan accounts removed. Many of these account lack addresses and account number so I am filling them as regular basic removals. Please apply these laws to my accounts the fair debt collection practices act law 111-203, title X 124 Stat. 2092 ( 2010 ) fair credit reporting Act ( FCRA ) 15U.S.C 1681 ( " FCRA '' ) please removed all this thing on my credit report.
04/11/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 15601	Web	Servicemember
First Federal Credit called me several times, on the most recent interaction in which I stated that I wasn't able to make payments, the agent called and told me that my credit would be negatively impacted by not paying her. This account has been in their charge since XX/XX/22. They've ALREADY reported negatively against my credit report and have now SOLD THE DEBT to another collection agency ( XXXX XXXX XXXX ) without giving me a fair chance at resolving this debt.
07/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 330XX	Web	Servicemember
On XX/XX/2012 there is a claim for {$120.00} for XXXX XXXX XXXX from First Fed Credit that I have no knowledge about. I have no recollection of receiving services from such an entity. On XX/XX/2012, another claim for {$81.00} is entered on my credit report for the same companies. Again no knowledge is represented about any of these companies. On XX/XX/2012, another entry from the same entities. No knowledge represented for either company. Don't know who they are.
01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44212	Web
I was looking at my most recent credit report and noticed a company I have never done any business with reporting a collection account with a balance of {$2300.00}. I do not know who First Federal Credit Control is and have never given them permission to access or report anything to a third party using my informtation. I demand removal of this account as it has caused an extreme amount of damage to my profile resulting in credit denials based on this false info.
05/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 190XX	Web
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING.
02/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AL 35244	Web
I have tried to contact and dispute this off of my credit. This debt was paid by XXXX XXXX. I have previously made a complaint about this company. In my last complaint the company stated We do not have any account for a XXXX XXXX. Nor do we have any affiliation with the creditor in the attachment provided by Ms XXXX. I received a letter later from them stating that I did have an account. How does a letter just appear if you dont have an account or affiliation?
04/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44646	Web
I was a patient at XXXX XXXX ( hospitsl medical ) in XXXX XXXX, Ohio.The First Federal Credit Control put 8 seperate reports on my credit report. They itemized the indivual daily charges. There 5 at XXXX.. XXXX.. XXXX.. {$61.00}. This has affected my credit report as well as my score. If they add all charges into one derogatory credit, it will improve my report and score tremendously. I was under the impression that medical bills not supposed to be on reports.
07/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33967	Web
I went to the XXXX XXXX XXXX XXXX XXXX back in 2019 because I was going through the worse time of my life with my XXXX where I thought something was XXXX XXXX XXXX XXXX and come to find out nothing was stuck the doctor just looked in my mouth with a flash light and I was told nothing was there and my visit was over and here it is 3 years later I have a collection on my credit report from them because they billed my insurance for a procedure that was not done
11/14/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33433	Web
I first contacted First Federal Credit Control about a {$130.00} collection item on XX/XX/XXXX. I asked them to validate the debt. See attached letter. They ignored my request. I have written to them every month since then but to no avail. Apparently FFCC is not familiar with the requirements of the Fair Debt Collections Practice Act that requires them to remove any reporting if they can not validate it. I need your help in getting them to comply with the law.
12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20707	Web	Servicemember
Hello, my name is XXXX XXXX and on XX/XX/2022, First Federal Credit Control placed two collections on my account for a medical debt. I paid the debt for both accounts in full on XX/XX/2022 and this company agreed to delete the collections from my credit. The total amount was {$230.00}. The numbers for both the accounts are # XXXX and # XXXX. I would like to have these accounts removed from my credit immediately since it is severely impacting my credit score.
11/25/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 447XX	Web
I visited XXXX XXXX emergency room in XXXX XXXX, Oh. During registration the wrong insurance id number was documented. They were supposed to use my XXXX number. I contacted my insurer and was told I was covered and should not have been billed. I gave the correct information to XXXX XXXX billing department about six months ago and they still have the debt reporting to a credit agency First Fed Credit Control and on my file. I would like this payment deleted.
12/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 443XX	Web
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
11/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34759	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on FIRST FEDERAL CREDIT C XXXX Balance {$2100.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
11/14/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 34758	Web
This is still with regard to my previous request for the company to send validation of debt ( complaint XXXX XXXX ). XXXX mentioned that you are sending me a document but I still haven't received anything that looks like a validation of the debt and according to FDCPA, you must provide the validation letter when requested. Please send a copy when your response to this complaint so the CFPB would know of your compliance. Thank you!
07/17/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MI XXXXX	Web	Servicemember
FIRST FEDERAL CREDIT CONTRO L, INC. XXXX XXXX XXXX . XXXX XXXX XXXX OHIO XXXX ACCT. # XXXX FOR {$240.00} * Is attempting to collect on a debt reported as fraud to XXXX XXXX XXXX XXXX XXXX XXXX . XXXX . The insurance company is investigating this as fraud due to improper billing paid by the insurance firm. Also, advised never to go back to this XXXX XXXX , XXXX . * T his is Disputed as Fraud.
08/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32811	Web
I have sent two debt validation letters to First Federal Credit Control. The first validation letter was sent on XX/XX/. The company First Federal Credit Control respond with a billing statement which did not valid any of the requested Information. The next letter was sent on XX/XX/ which was a failure to validate letter, the company did not respond in the 15 day timeframe. This company have failed to validate my debt each time.
11/21/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32808	Web
There is a medical collection account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. First Federal Credit Accnt # : XXXX Opened : XX/XX/2023 Balance : {$1400.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
11/04/2022	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	FL 34758	Web
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.
03/13/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 440XX	Web
First Federal Credit Control is attempting to collect three past due amounts in duplicate. They have submitted duplicate entries to XXXX and XXXX, showing I owe twice as much as I currently have been making payments on. They first reported the amounts on XX/XX/XXXX and then repeated the amounts as separate entries on XX/XX/XXXX. First Federal Credit Control needs to correct their mistake on both XXXX XXXX and XXXX.
10/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 216XX	Web
i had a claim on my collections report which I never received a bill from XX/XX/XXXX. They had billed the incorrect insurance. I was not aware it was on my collections until XX/XX/XXXX. I have sent several emails to the billing department including the eob with the payment information and the claims adjustor has sent the payment information including date of service, payment date and date payment was deposited.
02/14/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44134	Web
On my credit report search, came up with unknown debt notice from weird amount. So called debt collect agency. They said it's one part of bill that related 2015 XXXX. Agency said there is possibility the hospital found out later and just sent to debt collector because it's too old. I paid right off but history remain in my credit report. Never received any bill or information related this service and charge.
04/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 342XX	Web
On XX/XX/2022 I sent a certified letter to this debt collection letter requesting a validation letter and a signed consent releasing my medical information to them. On XX/XX/2022 an itemized bill with treatments was returned without a consent to release medical information to them. This is violating hippa, so on XX/XX/2022 another certified letter was sent requesting removal due to hippa violation.
08/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32808	Web
Company name is first Federal credit control. I sent out three letters asking for medical debt to be validated. They havent sent me anything that proves the debt is mine, they only send me letters saying I have to pay it and sent me a copy of the reason for hospital visit which is violating hippaa. Amounts are {$1300.00} and {$120.00} from First federal. I have attached proof of hippa violation
05/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34957	Web
XXXX and XXXX XXXX XXXX collector First Federal Credit Control. Reply : If XXXX XXXX would provide proof of coverage for the XX/XX/17 date of service the creditor would accept that and we would remove the account. The account remains disputed. Attached HealthCare.gov coverage for the times specified. XXXX directly sent Proof of Coverage as requested by First Federal Credit Control and XXXX
08/06/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32712	Web
I have requested that this creditor provide the validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XXXX/XXXX/2017 and I have not received any correspondence as of yet. It has been approximately 113 days. The collection amount is listed on my credit monitoring site for {$98.00} and I was never made aware of such debt in writing.
08/06/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32712	Web
I have requested that this creditor provide the validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XXXX/XXXX/XXXX and I have not received any correspondence as of yet. It has been approximately 113 days. The collection amount is listed on my credit monitoring site for {$98.00} and I was never made aware of such debt in writing.
06/08/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 19403	Web
I have disputed these accounts with the credit bureaus and First Federal Credit Control because they appear to be duplicate accounts. First Federal sent me nothing to validate the accounts, and continue to report the disputed accounts, both of which violate federal law. They are reporting duplicate information on my credit report and they are flagrantly ignoring my disputes! Please help me!
08/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 44060	Web
I had a medical bill debt of {$28.00} that I did not know about for years after the incident. I never received collection calls so it just sat there. I checked my credit back in XXXX and saw it, so I paid it off. I saw it was still showing up in XXXX so I called the company and asked that it be reported. It is now almost XXXX and it is still showing up on my credit report as in collections.
05/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33071	Web
I have disputed this debts numerous times because it is not mine, the creditor never reply to any of my mails or disputes, I am tired of trying to resolve this, and tired of telling this creditor that this account is not mine. I would love for this creditor to provide me with signature proof that this account belongs to me, or remove it, I have been disputing this account since 2018.
01/23/2024	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 34743	Web
FIRST FEDERAL CREDIT CONTROL Date opened XX/XX/2022 Balance {$1600.00} Status Collection account. {$1600.00} past due at this time i had medical insurance but somehow i got trap in them not processing this with my insurance which was XXXX XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX I explained this to collections company and was threatened to be put in court or sued if not paid..
01/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44266	Web
I have now disputed this 3 times and you keep closing this telling me this is a duplicate ... This is NOT A DUPLICATE. This is not mine and should not be on my account. They have not sent any proof this is mine and I have never been to where these bills are for. Please look into this as I need these removed from my credit report. The last compliant that you said was a dup was XXXX
02/03/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 44120	Web	Older American, Servicemember
I was injured XXXX and I have a worker 's comp claim # XXXX date of injury XXXX/XXXX/XXXX I was going to University Hospitals here in XXXX, Oh. and because the clerks did not put correct medical codes on these bills Worker 's Comp refused to pay These bills are dated between XXXX and XXXX. ++these bills are over 10 years old XXXX they should be removed from my credit reprt
04/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33435	Web
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A, States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Based on my knowledge I don't owe this creditor.
01/26/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44039	Web	Servicemember
I paid off the debt. wont send me a paid off in full letter said this will stay on my credit report for 7 years and there is nothing I can do. I did n't realize i had the debt I looked at my credit report and seen it. I called the number to see what it was about. I paid it off why dont I get a paid in full letter and why is this now going to affect my credit for 7 years?
09/18/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32168	Web	Older American
First Federal Credit Control , Inc, is attempting to collect an amount of {$350.00} on behalf of XXXX XXXX XXXX XXXX First Federal has made no attempt to determine the validity of said claim and has threatened to submit a negative report to the credit agencies. I have notified First Federal of the bogus nature of this claim, but they persist in their collection process.
06/04/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.
01/09/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 331XX	Web
This was a bill generated after they couldn't collect thru my health insurance ; I've asked for more details on this invoice and never got it, also they never provided and specific date or treatment done and cost billed to insurance, as my insurance was valid and covering any treatments at the time. Also if it was a deductible, they never specified it in the bill.
01/31/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33844	Web
I am getting duplicate charged from the hospital. The bill and all amounts due were paid at before I was XXXX from the hospital. They told me this before I left. Copays and deductible were paid to the hospital yet they are sending me a second bill for the exact same service that I already paid. I think this is unlawful and I do not owe the amount they are billing.
04/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33321	Web
I have written to First Federal Credit Collections ( on three occasions ) ( a copy of my most recent letter is attached ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. Not only have they not validated the debt with proof of my signature on a document but they have not written to me at all.
09/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33404	Web
First Federal Credit XXXX is trying to collect an alleged medical debt in my name and fail to respond to my mail asking them verify the debt. So I am here to file a formal cease and desist in which they will comply with as they ignored my request for for verification and not even a licenced collection agency in the State of Florida. Please see attached pdf
07/09/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	OH 44124	Web
Debt collection company, makes harassing phone calls at all hours, applies misleading and incorrect representations of accounts, by posting the same account under different account numbers in excess of XXXX times to each credit bureau. refuses to acknowledge or verify debt is actually mine to the individual credit bureaus, under the laws of Identity theft.
09/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33186	Web
I paid the XXXX the amount of {$270.00} on XXXX/XXXX/2016 and I have the online receipt. FIRST FEDERAL CREDIT CONTROL reported an open collection on XXXX/XXXX/2016 for the amount of {$230.00} for XXXX. They called me several times and I told them that I have paid. I do have the receipt number and a PDF copy. The payment also appears in my bank statements.
02/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH XXXXX	Web
First Federal is stating that this debt doesn't exist between them and myself. The account is unverified, it was absorbed in a chapter XXXX bankruptcy but yet it continuous to appear on my XXXX Credit Report. Please see that the attached credit report verifies this company 's name and address. The date that this credit report was pulled was on XX/XX/18.
06/18/2020	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 34786	Web	Servicemember
SO THIS IS A GREAT XXXX, THE ISSUE IS I NEVER KNEW ABOUT THIS DEBT WAS SENT NO INFORMATION JSUT SHOWED UP ON MY CREDIT REPORT, I AM ASKING THAT THIS BILL BE SENT TO THE VETERANS AFFAIRS OFFICE AS I AM A VETERAN AND THE COVER ALL PRIVATE MEDICAL BILLS. THAT THEY REMOVE THIS AND ALL LATE REMARKS FROM MY CREDIT REPORT, AS THEY REPORT EACH MONTH I AM LATE.
12/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web
On XX/XX/2022, I sent First Federal Credit Control a certified letter requesting debt validation on an alleged debt they added to my credit reports without sending me a dunning letter. They ignored my request and continue to report this alleged debt to the credit reporting agencies. I am demanding that they delete this account from my credit report.
01/19/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33063	Web
The institution in question mailed me a bill for {$56.00} after my visit which I had pay my co-pay. The statement had no due date and was payable by check, on XX/XX/2016 I paid the balance in full. Then on XX/XX/2016 after the balance was paid in full the institutions sent me to collections ; which now reflects a collection case on my credit report.
04/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44039	Web	Servicemember
First Federal Credit Control is reporting incorrect information on my credit report showing the following information : Date Opened : XX/XX/2017 Account Type : Collection Balance : {$270.00} I have never had any legal or signed contracts with this company yet they insist on reporting to my credit file. I have submitted a formal dispute to no avail.
12/10/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32839	Web	Servicemember
The medical bills were paid by insurance companies the bills was the result of an auto accident XXXX XXXX paid the bills for the emergency room and for all services rendered that day I also have full XXXX and XXXX so I have n't received any medical bills from hospitals or doctor for over 3 year for over three years sinc XXXX years since XXXX
09/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30032	Web	Servicemember
This account is a result of identity theft. I've NEVER done business, nor have any knowledge of First Federal Credit Control or XXXX XXXX. This is a fraudulent account. Can I please get help removing this account from my credit report? I learned of this account on XX/XX/2022 in the amount of {$320.00} when it was placed on my credit report.
02/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37221	Web
I receveid a copy of my credit report and found the following account that does not belong to me : FIRST FEDERAL CREDIT CONTROL, original creditor XXXX XXXX XXXX XXXX. I contacted the original creditor and explained that this debt is not mine. They agreed and told me I would need to contact the collection agency that is handling the debt.
06/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 441XX	Web
On XXXX XXXX, 2019 I paid First Federal Credit Control {$720.00} to pay in full 7 medical bills that were placed with them for collection. As of my XX/XX/2019 all 7 derogatory entries are still on my bureau. Spoke to FFCC several times and they show that I paid accounts in full and claim to have sent this information to all 3 bureaus.
08/10/2017	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33404	Web
I have a currently have to collection accounts listed on my credit report by a debt collection agency First Federal credit control on behalf of XXXX XXXX XXXX XXXX, in the amount of XXXX and another amount of XXXX. First Federal Credit control is not license in the state of Florida and therefore I am disputing this collection account
02/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 44128	Web
I paid the debt with the original debtor years ago. I have disputed the the debt repeatedly and they keep removing them putting back on my credit report. The company is FIRST FED CREDIT CONTROL. XXXX and XXXX keeps allowing them to add it back. So far XXXX has kept to off. I dont believe I should have to keep disputing this.
03/30/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 34711	Web	Servicemember
This is my second response to this company regarding this matter. They are attempting to collect a debit that is not mine. I have never been to this Dr XXXX The amount they are trying to collect is {$110.00} It Was Submited for Collections on XXXX XXXX XXXX. The last XXXX of my ss # is XXXX date of birth is XXXX/XXXX/XXXX.
07/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 44087	Web
THEY WANT ME TO PUT A XXXX DOLLARS DOWN I DO N'T HAVE THAT KIND OF MONEY ... THE OTHER PERSON TOLD ME IF I DID NOT HAVE A CREDIT CARD OR DEBIT CARD WE HAVE NOTHING TO DISCUSS AND I KNOW SOME OF THOSE BILLS ARE DUPLICATE AND TRIPLICATE I ALSO WANTED A LETTER STATING THAT THESE BILLS WILL BE DELETED OFF MY CREDIT REPORT
11/12/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web
Per company : This is the third complaint in regard to this debt. We sent the our first notice, being the " model notice '' on XX/XX/22 to the same address as on this complaint. We made XXXX more additional attempts prior to credit reporting. The first contact from XXXX XXXX was the first CFPB complaint on XX/XX/22.
09/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33322	Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
12/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33181	Web
I went to do an XXXX XXXX XXXX XXXX before the procedure I paid for the service as it was my medical insurance Co-Pay. I have submitted my bank statement several times showing the payment of the {$500.00} being paid. They still have not fixed it in over almost 2 years and refuse to provide more information.
12/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 331XX	Web
At the time of my Emergency visit to the hospital I had insurance at the time there should be no reason whats so ever to have a balance owed. This is affecting my my credit real bad and Im suffering because someone isnt doing there job right so I demand this to be taken off my credit report immediately
08/09/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 440XX	Web
Via phone calls requested proof secondary insurance was billed. Also requested proof they billed in the mandatory time frame. The refused. XXXX verbally stated via phone calls they have no record this claim was received to cover any/all of this balance after the portion paid by Primary insurance, XXXX
08/31/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33407	Web
In XXXX of 2021 I sent a communication to the 3 CRA as well as FFCC-XXXX for verification as well as validation of the debt I do not believe was mine. I have sent 2 letters to FFCC-XXXX and they have yet to send any information to say who they are, where they are from and where is the actual proof.
12/26/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44070	Web
XXXX initial communication was on XXXX/XXXX/XXXX via certified mail. Action taken by XXXX accounts were removed from credit report on XXXX/XXXX/XXXX, as of XXXX/XXXX/XXXX they were put back on the credit report negatively affecting my score. The amounts of each are {$260.00}, {$620.00} and {$100.00}.
05/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33805	Web
on XXXX i requested a validation of letter concerning the validity of this alleged debt. They failed to respond. I am aware of FCRA and FDCPA law. This agency is in violation under 15 USC 1692 G and 15 USC 1681 and also in violation of the HIPPA law. I am requesting the removal of this account
05/07/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OH 458XX	Web
I was not given any notification that this medical bill was going into their collections and would not have known this, unless I had not been monitoring my credit scores at the time. This deliqent mark on my report ( given to all XXXX major credit companies ) dramatically effected my score.
04/08/2018	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 32177	Web
First Federal Credit Control is saying they are a federal collector and will put me in jail if i don't pay them XXXX dollars. i am brining this to the attion of the real protection bureau and maybe you guys can help me they calme i owe a debt of XXXX dollars toa XXXX XXXX XXXX XXXX XXXX
05/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48207	Web
First Federal Credit Control continues to report false and inaccurate information on my credit report that I owe {$240.00}. I have disputed this account multiple times. This is not my account. I never used any services from this company. I am entitleded to a fair and accurate report.
08/12/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33470	Web
I am not aware of a credit charge from First Federal Credit Control. This reflect an original creditor of XXXX of XXXX Florida in the amount of {$210.00}. The open date XXXX XXXX, 2014. I am disputing this charge as i have no knowledge of this charge. Please assist. Thank you.
09/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 191XX	Web
First federal credit control has been sending me collection notices in the amount of {$480.00}. This balance has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.
01/26/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30813	Web
company has violated multiple federally protected consumer rights. company has assigned a debt to an attorney to collect. company released sensitive private medical information. company shared false information on my credit report with out my written consent. XXXX {$600.00}
01/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32792	Web	Servicemember
This account {$1200.00} company First Fede, unknown, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone ( XXXX ) was removed from my account from XXXX. Please remove this information from my credit reports. The dispute results are attach to this email for your reference. Thank you.
01/16/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 19120	Web
First Fed Credit Control is the name of the company they have not sent any information written concerning this alleged debt. Also, I was Never given any information about the right to dispute or information as to what company they are representing just harassing phone calls
09/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33407	Web
I recently disputed a claim from this company that I owe them monies to which they were unable to, on multiple occasions, provide me with the verification I requested. They removed the items from my credit report only to repot them again under a different abbreviated name.
09/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 327XX	Web
A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.
05/13/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33189	Web
Date:XX/XX/19 I didn't receive any notifications, I only saw my credit score decrease and when I checked why, I saw I was in a public debt collect agency. The amount I owed was {$170.00} usd. I called the agency and may the payment and two month ago it's still open.
07/20/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33415	Web
I have sent a Debt Validation letter to First Federal Credit Control, located on XXXX XXXX XXXX XXXX XXXX, XXXX OH, XXXX. After receiving the response my XXXX rights were violated because it showed some medical procedures I have received while I was hospitalized.
12/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33410	Web	Servicemember
I was seen at XXXX XXXX XXXX. I am a XXXX veteran and was reffered out and seen at XXXX XXXX XXXX for a medical issue. The Veteran Affairs office has already paid XXXX XXXX XXXX, this is an attempt to double collect the payment that they have already received.
07/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
The account was mishandled by original creditor. I had full XXXX Medicaid and the company set up payment arrangements with me instead of billing Medicade now the debt was transferred to a collection agency bad debt not owed by me but should have billed medicade
11/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44146	Web
First Federal Credit has a medical bill on my credit report that is not mine. Its my ex husbands and the debt was after my XXXX. I have disputed this and it was included in my bankruptcy just trying to get it off my credit and this company refuses to remove it
01/12/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL XXXXX	Web
suggesting to damage my credit by reporting to the creditors without allotting the 6 month window to dispute the transaction and then reporting to the creditors when medical debt under {$500.00} per Consumer Financial Protection Bureau should not be reported.
08/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19143	Web
MY MEDICAL DEBT WAS REPORTED TO MY CREDIT ILLEGALLY ACCORDING TO 15 U.S CODE 1681B ( G ) ( 3 ) BY FIRST FEDERAL CREDIT CONTROL IN THE AMOUNT OF {$450.00} XX/XX/2020 {$290.00} XX/XX/2020 {$290.00} XX/XX/2020 {$270.00} XX/XX/2020 {$190.00} XX/XX/2020 XXXX
10/02/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48035	Web
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Wrote many letters to company to resolve/ dispute/ removal from credit report. This is a direct violation of HIPPA. They have sent itemized statements of my private procedures
09/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 44121	Web
Debt popped up on my credit report, I contacted company showed proof the payment was paid. They refuse to remove it. I had the hospital and had the hospital contact agency and they refuse to remove. This agency should not have my medical records.
09/17/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32725	Web
I received a letter from XXXX XXXX stating that I owe the collector {$560.00} Acct # XXXX she enclosed the statement with account # XXXX which clearly states that the balance is {$0.00} This account collection is in violation of HIPAA Act of 1996
07/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98499	Web
There are multiple companies reporting a debt that was incurred while I was living in a different state and someone else obbously used my info to go to the er The companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Federal credit control
03/08/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30314	Web
At all times, the debt of {$260.00} is being claimed and handled by XXXX. Consequently, First Federal Credit Control , XXXX and XXXX furnished negative information about me regarding this disputed collection debt to XXXX, XXXX, and XXXX.
02/18/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33432	Web
Spoke to this representative and a letter was sent to the bureaus to remove this item from my credit and its still on my report This item should be removed from my report and the bureaus still reporting this collection account as valid.
02/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	VA XXXXX	Web
I have tried numerous times to remove this fraudulent debt from my credit score, but to no avail. I have submitted petitions and requests to XXXX, but have received no response. This debt is not mine and the result of identity theft.
10/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33020	Web
Both medical Collection companies have Violated my HIPAA RIGHTS. I did not sign a HIPAA form for this collections companies to access my medical records! This is a Violation XXXX XXXX XXXX XXXX XXXX And FIRST FEDERAL CREDIT CONTROl.
12/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 328XX	Web
I was billed for this item. during the time I had XXXX and XXXX. They only billed XXXX which left me with a bill. I do not owe this. When I have contact them in the past they have been very rude and refused an explanation and proof.
06/14/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 44134	Web
I never received any communication from the hospital or the collection agency. The only way I learned of the debt was through a credit report. The collection agency has failed to, upon request, send a bill and verification of debt.
12/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44035	Web
XXXX XXXX XXXX XXXX balance. Account number XXXX XXXX balance XXXX XXXX account number for XXXX XXXX XXXX I dont owe these Ive despited to the bureaus no proof of debit. I need these removed asap its hindering for financing home.
05/01/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web
Contacted First federal credit XXXX to send proof of debt validation with proof of signature that the debt is mine and they responded they sent a hospital bill which doesnt clarify the debt is mine with no proof of signature
08/16/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30274	Web
I am not liable for this debt with XXXX XXXX II I and I do not have a contract with FIRST FEDERAL CREDIT C plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : XXXX
02/18/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web
Please see attached notice. Summary of action by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX 1 ) Did not allot by law 1 year before reporting debt 2 ) XXXX reporting a medical debt that is under {$500.00}
03/14/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web
Dear CFPB, Could you please help me to negotiate the amount of this collection with the creditor? I called them but they were not willing to negotiate with me. I would like to pay them as soon as possible. Thanks!
05/22/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33009	Web
Doctors overbilled insurance company. After insurance company paid bills, they continued to come after me for residual balances that they should have written off because of payment accepted from insurance company.
05/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WV 250XX	Web
reported negative information on my credit report. the patient was not me or my child. The patient is an adult which i have no durable power of attorney or any other instrument to make me liable for medical bills
05/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34957	Web
XXXXXXXX XXXX XXXXXXXX XXXX XXXX CFPB Report No. XXXX First Federal Credit Control CFPB Report XXXX. XXXX Inadvertently the 2nd above was the incorrect collection company. Have correct contact information now.
12/26/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32117	Web
I have disputed this collection account with the credit bureau 's and it remains on my credit. Upon investigation of my own, I have found out that they are n't even licensed to collect debt for Florida.
05/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34957	Web
First Federal Credit Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a wrongful submitted medical bill sold to a 3rd party collection due to XXXX not billing XXXX code correct.
11/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48307	Web	Servicemember
XXXX XXXX loan company has been paid in full due to insurance claim/loss, company continues to report to collections as account closed and not paid in full. Account has been pain on time and in full.
03/31/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 34711	Web	Servicemember
You are in violation of the fair credit protection act. You have failed to remove in accurately reported information. As previously stated, XXXX XXXX has never visited XXXX or been treated by them.
07/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33032	Web
I XXXX XXXX sent a letter to First Federal Credit declining their invitation to contract along with other requests. Please look at my letter that I attached to have full knowledge of my complaint.
08/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 44122	Web	Servicemember
Please provide Validation of Debt, Assignment of Debt, Method of Verification used. I will also send this request through the CFPB as I did not receive a notice in the mail to dispute this debt.
08/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 44109	Web	Servicemember
Please provide Validation of Debt, Assignment of Debt, Method of Verification used. I will also send this request through the CFPB as I did not receive a notice in the mail to dispute this debt.
04/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34761	Web
My credit report shows the following depts from first fed credit control : XX/XX/2017 {$1100.00} XX/XX/2017 {$800.00} XX/XX/2017 {$420.00} XX/XX/2017 {$1100.00} These debts do not belong to me.
05/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33063	Web
This is not my debt. I have tried to get this resolved for the last 5 years to no conclusion. It looks like the debt os from a doctors office once I do a XXXX search that i have never been to.
08/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32808	Web
FIRST FED CREDIT CONTROL, XXXX XXXX XXXX XXXX this company has reported me as bad debt to the credit bureau with out my knowledge I tried to called them so many times still not remove them.
04/08/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33178	Web
I called this agency in order to know what is this account and they totally denied to gave information and ask me to pay the debt no matter what. They do not want to gave any information.
06/17/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 442XX	Web
FIRST FED CREDIT CONTROL XXXX, OH XXXX XXXX IS SHOWING UP ON MY CREDIT REPORT AS A COLLECTION ACCOUNT AND ME OWING {$29.00}. THIS ACCOUNT WAS PLACED IN BANKRUPTCY XXXX Case Number XXXX.
02/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44143	Web
I have a collection account on my credit reports from First Fed Credit Control that does not belong to me. The balance on this account is {$70.00}. The account was opened on XXXX-13.
03/10/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 10040	Web
This is the first I hear of this agency trying to collect debt from me. I have no idea who they are nor how to contact them. I have always had insurance to cover my medical bills.
01/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33167	Web
I tried reaching out to this company on XX/XX/2020 about this debt in the amount of {$270.00} that does not belong to me. They refuse to remove this from my credit report
08/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 45039	Web
This debt was paid in full in XXXX of 2019. Was removed from my credit report then and is now back on there showing not paid ... .. This is wrong and must be updated ASAP
09/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 323XX	Web
This company is breaking hippa laws I have not been to been to the hospital in over 8 years I have a family doctor They are reporting a fraudulent item on my credit file
09/19/2019	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33705	Web
A debt I have no knowledge of it's been on my credit report for a couple years now since XX/XX/2015 amount of {$270.00} I'm trying too dispute it I have no way of paying
07/22/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07644	Web
I am not liable for this debt with FIRST FEDERAL CREDIT C plus they did not provide me with the original application like I asked. Account No : XXXX XXXX XXXX : XXXX
02/04/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	FL 33432	Web
Not a valid debt, written to this company twice and no response within 60 days and then sent a certified letter to all three bureaus and still not removed from credit.
03/18/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 152XX	Web
i never received anything stating that i owed this company money. My first time seeing this is when i pulled my credit report. Never got a notice in the mail nothing.
05/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 336XX	Web
I do not owe this debt, it was paid months ago and it is still listed on my credit file that I owe even me disputing it stating I do not owe and nothing. Please help
12/24/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32809	Web
I am in debt of XXXX in regards of a medical bill that i honestly dont remember .. i do Know that Im at not able to pay this balance but i would like a ok credit,
03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43614	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43615	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
07/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MI 482XX	Web
FIRST FEDERAL CREDIT CONTROL failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth bylaw
08/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32809	Web
I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT IT HAS BEEN WELL OVER 30 DAYS AND I HAVENT RECIEVED ANY INVESTIGATION RESULTS
09/19/2019	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33705	Web
XX/XX/2014 {$370.00} I let them know I was unable to pay them not work at the time now I don't have a stable job been that way for several years now
08/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32811	Web
This debt was paid more than 2 months ago and still showing up as a collection in my credit report Please erase it as soon as possible Thanks
03/10/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 08016	Web
I do n't know anything about this debt. I have never been without insurance in my life! I have never received anything from them in the mail.
02/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33411	Web	Servicemember
This is not my debt, you have three diffrent collections against me for {$290.00}, {$320.00}, {$530.00} PLEASE REMOVE FROM MY CREDIT REPORT!
01/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH XXXXX	Web	Older American
I do not owe the debt collectors client anything. This claim is in dispute. The debt collection company has not substantiated the claim.
03/25/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web
Dispute letter and debt validation letter was sent to the company First federal credit corporation no response I even had it escalated
04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30052	Web
I never did business with these companies. These are medical accounts I've never had, they are not mine. I do not owe these amounts!
01/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33139	Web
FIRST FEDERAL CREDIT CONTROL need more info what the collection is for. never used the service never notify that I have an account
09/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44052	Web
Reached out numerous of times this is not me this should not be on my account. I have no knowledge of why this is on my credit
04/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL XXXXX	Web
Medical debt of my minor son is his father who 's guarantor of his health insurance. I never received any medical bill from dr
10/10/2022	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	FL XXXXX	Web
I asked this company to provide me with Validation of an alleged debt and its several months I still not have received any.
01/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 210XX	Web
Sent to collections in 2021. At the time I had medical insurance. Tried to settle the account but agency would not settle.
12/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32822	Web
This is not my bill. At the time of service I had XXXX types of medical insurance that would have covered this bill.
01/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85338	Web
This is not my account / can be fraudulent activity, ( not mine ) never had or know what is First federal credit!
01/11/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 442XX	Web
reported to XXXX i have collections for unpaid bills these bills belong to my son same name different middle name
02/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 44118	Web
This is an unverified debt and I've already filed chapter XXXX bankruptcy prior to the date of the debt ( s ).
03/29/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 34711	Web	Servicemember
I have never been to this Dr. And they are trying to collect money and they have reported it to XXXX and XXXX.
04/12/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	OH 44095	Web
Collector was informed that I can not receive phone calls at work. Continues to call my place of employment.
04/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 44124	Web
I have retained legal counsel and will be filing XXXX. Please cease and desist and do not credit report.
01/15/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KY 40207	Web
This is outdated, inaccurate and requested validation many times nothing received. Please help
09/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33470	Web
I am not aware of receiving medical care from this company. Please investigate. Thank you.
03/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44128	Web
This company has been defaming my character harassing me and violating my consumer rights.
09/18/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	CA 92373	Web
I have never been notified or did I know about these medical bills. What do I do?
01/22/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 44106	Web
Company has not provided me with billing statement and description of services.
12/19/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33351	Web
Company is reporting to the credit burrow a wrong and incorrect debt.
09/13/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web
XX/XX/XXXX and XX/XX/XXXX {$330.00} and {$140.00} Currently Disputing
12/13/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 328XX	Web
This is not mine. I have sent dispute letter with know response.
01/31/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27330	Web
AN ACCOUNT UNKNOWN WAS OPENED XX/XX/2017 IN THE AMOUNT OF $XXXX
09/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 440XX	Web
Noticed this was on my credit and is not mine
12/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33065	Web
ths is not mine i am tired of explainng this
01/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33193	Web
Collection account was created fraudulently
10/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33027	Web
I am not aware of these collection charges
05/07/2020	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33076	Web
debit has been paid by insurance
03/05/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19380	Web
I do not recognize this debt
06/21/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MA 01906	Web
I paid this bill.
02/09/2024	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 44128	Web

02/08/2024	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43035	Web	Older American

01/22/2024	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55391	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33472	Web

12/19/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32829	Web

12/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32811	Web

11/28/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 32829	Web

11/28/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44095	Web

11/27/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 32829	Web

11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	FL 34787	Web

10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33143	Web

10/03/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11226	Web

09/05/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33916	Web

09/03/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77450	Web	Older American

07/29/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78373	Web

07/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web

07/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11226	Web

07/07/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MI 48322	Web

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33403	Web

05/18/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33351	Web

05/15/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 08033	Web

05/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20743	Web

04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 328XX	Web

04/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28269	Web

04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33060	Web

03/28/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08109	Web

03/21/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TN 37040	Phone

03/20/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33069	Web

03/20/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33069	Web

03/05/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 37209	Web

02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32712	Web

02/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33304	Web

02/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33481	Web

02/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30016	Web

02/02/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33161	Web

01/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34946	Web

01/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33415	Web

12/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32809	Web

12/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33436	Web

12/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44128	Web

12/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44123	Web

12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33351	Web

12/01/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44314	Web

11/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33413	Web

11/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32832	Web

11/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33169	Web

11/12/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32961	Web

11/11/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32961	Web

11/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89014	Web

11/08/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 32771	Web

11/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32961	Web

10/26/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44121	Web

10/22/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63090	Web

10/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32810	Web

10/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31539	Web

09/30/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32301	Web

09/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32839	Phone

09/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33325	Web

09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19151	Web

08/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33054	Web

08/10/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 20770	Web

07/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30135	Web

07/13/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 34994	Phone

07/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48076	Web

07/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 19151	Web

07/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48185	Phone	Older American

06/14/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33161	Web

06/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44320	Postal mail

06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33432	Web

06/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33056	Web

06/06/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48076	Web

05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34986	Web

05/17/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08609	Web

05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34748	Web

05/13/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 44143	Web

04/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32839	Web

04/25/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44056	Web

04/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33311	Web

04/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33311	Web

04/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44111	Web

04/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web

04/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33351	Web

04/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34741	Web

04/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44120	Web

04/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32825	Web

03/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32835	Web

03/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33993	Web

03/22/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 21208	Web

03/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32714	Web

03/12/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33193	Web

02/23/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OH 43206	Web	Servicemember

02/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08010	Web

02/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33173	Web	Older American

02/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 44105	Web

02/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33027	Web

02/10/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33566	Web

02/09/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32821	Web

01/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20866	Web

01/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34744	Web

01/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32792	Web

01/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33351	Web

01/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43612	Web

01/04/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34957	Web

01/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33068	Web

12/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33897	Web

12/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19050	Web

12/17/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07825	Web

12/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33169	Web

12/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44122	Web

12/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32792	Web

12/08/2021	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 16505	Phone

12/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33138	Phone

11/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32808	Web	Servicemember

11/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	PA 19152	Web

11/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33897	Web

11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33313	Web

11/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77057	Web

11/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19082	Web

11/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08520	Web

10/31/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32825	Web

10/27/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33068	Web

10/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19122	Web

10/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33130	Referral

10/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44302	Web

10/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33015	Web

10/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95630	Web

10/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33321	Web

09/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33027	Web

09/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44143	Web

09/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75035	Web

09/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PR 00769	Phone	Older American

09/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 44512	Web

09/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33319	Web

08/26/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32825	Web

08/25/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44221	Web

08/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19078	Web

08/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33179	Web

08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44094	Web

08/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34744	Web

08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32839	Postal mail

07/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33478	Web

07/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 443XX	Web

07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 34761	Web

07/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44278	Web

07/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43614	Web

06/30/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44305	Web

06/30/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44302	Web

06/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 18951	Phone

06/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MI 48187	Web

06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19121	Web

06/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91411	Web

06/15/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32805	Web

06/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33179	Web

06/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44123	Web

06/01/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44305	Web

06/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33071	Web

06/01/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44302	Web

05/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 44117	Web

05/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 36109	Web

05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46544	Web

05/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34787	Web

05/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19143	Web

05/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33896	Web

05/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 36116	Web

05/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44302	Web

04/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 19152	Web

04/14/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32750	Web

04/09/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34711	Web

04/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32818	Web

04/01/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 44512	Web

03/31/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33018	Web

03/31/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44302	Web

03/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33426	Web

03/20/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32822	Web

03/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44311	Web

03/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32839	Web

03/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44035	Web

03/09/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 19135	Web

03/09/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44128	Web

03/09/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33032	Web

03/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32819	Web

03/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31903	Web

03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33317	Web

02/28/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 08540	Web

02/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44143	Web

02/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44312	Web

02/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32835	Web

02/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34102	Web

01/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 31322	Web

01/29/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33157	Web

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34741	Web

01/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30339	Web

01/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77073	Web

01/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft		Phone

01/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else		Phone

12/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

12/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22303	Web

11/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Web

11/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22304	Web

11/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33157	Fax

11/09/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33165	Web

11/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 49006	Web

11/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33179	Web

11/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33334	Web

10/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33317	Web

10/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33317	Web

10/28/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 34772	Fax

10/28/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32818	Fax

10/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34713	Web

10/01/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44133	Fax

10/01/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 44035	Web

09/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19143	Web

09/23/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33024	Fax

09/15/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30339	Web

09/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33319	Web	Older American

09/12/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48093	Web

08/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32712	Web

08/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32808	Web

08/25/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48341	Postal mail

08/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33076	Web

08/08/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07063	Web

08/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34711	Web

07/29/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44137	Web

07/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33176	Web

07/28/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43015	Phone	Older American, Servicemember

07/24/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33309	Web

07/24/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85022	Postal mail

07/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44314	Fax

07/20/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44307	Fax

07/10/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34787	Web

07/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	OH 44138	Web

07/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34711	Web

07/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44320	Fax

06/12/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34736	Postal mail

06/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44146	Fax

06/12/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44310	Fax

06/10/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11218	Web

05/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 44221	Web

05/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone

05/26/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20782	Web

05/12/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged		Phone

04/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33076	Web

04/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32809	Web

04/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32809	Web

04/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33076	Web

04/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33063	Web

04/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21117	Web

04/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33063	Web

03/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44122	Web

03/02/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43015	Web

02/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 48015	Phone	Servicemember

02/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08690	Postal mail

02/10/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 35758	Web

02/09/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 43607	Web

02/06/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 22304	Web

02/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AL 35244	Web

01/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34761	Web

01/23/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33016	Web

01/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44122	Web

01/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33064	Phone	Servicemember

12/30/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44108	Referral

12/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44122	Web

12/11/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 34639	Web

11/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34639	Web

11/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32811	Web

11/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44306	Web

10/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 44137	Web

10/21/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34758	Referral

10/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33496	Web

10/08/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33143	Web

09/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21117	Web

09/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 44129	Web

09/02/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 44146	Web

08/27/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32826	Web

08/21/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32812	Web

08/20/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33015	Referral

08/18/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33433	Web

08/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75376	Web

08/16/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 19073	Web

08/16/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33029	Web

08/01/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33015	Web

07/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32806	Web

07/11/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33313	Postal mail

07/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33301	Fax

07/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34714	Web

06/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33306	Postal mail

06/27/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33445	Postal mail

06/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44129	Web

06/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44105	Web

06/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44105	Web

05/31/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34759	Web

05/30/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33170	Referral

05/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Web

05/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32877	Web

05/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone

05/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32824	Web

05/04/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44111	Web

04/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44111	Web

04/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 44314	Web

04/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33470	Web

03/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44310	Web

03/27/2019	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	OH 44514	Phone

03/27/2019	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	OH 44514	Phone

03/14/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48312	Web

03/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44241	Fax

03/08/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32795	Phone

03/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10463	Web

02/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33319	Web

02/25/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	AR 72631	Web

02/24/2019	Yes	Debt collection Medical debt	Communication tactics Called before 8am or after 9pm	FL 33401	Web

02/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33809	Web

02/14/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22556	Web

02/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33186	Web

01/31/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33177	Web

12/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44142	Web

12/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44146	Web

12/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32935	Web

12/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33193	Web

12/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33193	Web

12/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 15108	Web

11/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33181	Web

11/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33181	Web

11/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly		Phone

10/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29732	Postal mail	Servicemember

10/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 44054	Web

10/19/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 44054	Web

10/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 44054	Web

10/09/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32935	Web

10/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44107	Web

10/04/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33009	Web

09/28/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44060	Web

09/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15206	Web

09/21/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33173	Web

09/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32725	Web

08/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33181	Web

08/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 44143	Web

08/24/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 44143	Web

08/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	OH 44113	Web

08/12/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34771	Web

08/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34711	Web

07/24/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32935	Web

07/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33023	Referral

06/22/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32809	Web

06/22/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32809	Web

06/14/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34787	Web

06/07/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44121	Web	Servicemember

06/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 38024	Web

05/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44117	Web

05/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19061	Web

04/30/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

04/26/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32818	Web

04/20/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44067	Web

04/15/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OH 443XX	Web

04/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53005	Web

03/07/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33145	Web

02/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44143	Web

02/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44143	Web

01/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77539	Web

01/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33905	Web

01/15/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32825	Web

01/04/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32817	Web

12/16/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32808	Web

12/13/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19406	Phone

12/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33305	Postal mail

12/06/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33905	Web

12/04/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 44137	Phone

11/30/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60649	Web

11/28/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44053	Phone

11/17/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34787	Web

11/10/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34759	Web

10/18/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43953	Web

09/20/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 44106	Web

09/01/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78760	Web

08/26/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33470	Web

08/18/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44102	Web

08/17/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11701	Web

08/15/2017	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	FL 32808	Web

08/14/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32792	Web

07/30/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33177	Web

07/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44120	Web

07/17/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33478	Web

07/02/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33177	Web

06/21/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 16105	Phone

06/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33435	Postal mail

06/07/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44130	Web

05/25/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32821	Web

05/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	AZ 85040	Web

05/11/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33029	Phone

04/24/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43968	Phone

04/13/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OH 44509	Web

03/17/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 44280	Phone

03/14/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 64108	Web

03/09/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL 33904	Postal mail

02/23/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 34982	Web

02/20/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 44129	Web

02/14/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 08081	Web

02/06/2017	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened arrest/jail if do not pay	OH 44139	Web

02/05/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33177	Web

02/03/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33054	Web

02/03/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	WA 98604	Phone

01/28/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 28314	Web

01/27/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 43420	Web

01/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33556	Referral

01/06/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30168	Web

01/05/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 32686	Referral

01/05/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32738	Web

12/26/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 44035	Web	Servicemember

12/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 28150	Web	Servicemember

12/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28144	Postal mail

11/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 44601	Web

10/13/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33186	Web

10/05/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33414	Postal mail

09/29/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VA 22206	Referral

08/31/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 44109	Web

08/20/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 44144	Web

08/17/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 32707	Postal mail

06/23/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 44115	Web	Servicemember

06/17/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 44278	Web

06/08/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MI 48221	Phone

05/13/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 44720	Web

05/12/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	TN 37912	Web	Older American

05/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33301	Web

05/03/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 44134	Web

04/28/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OH 44072	Web

04/21/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34772	Web

03/13/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 44017	Web

03/10/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 44119	Web

03/02/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32080	Web

03/01/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32080	Web

02/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 22026	Web

01/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 44077	Web

01/06/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 44017	Web	Older American

10/29/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	OH 44056	Web

09/30/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 44039	Web

09/23/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 44086	Web

09/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32765	Web	Servicemember

08/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33040	Web

07/20/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OH 44691	Web

07/11/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 44067	Web

06/16/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 32708	Web

06/09/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33496	Web

06/03/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 33063	Web

05/06/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 33411	Web	Older American, Servicemember

05/06/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32907	Referral

04/20/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OH 44721	Web

02/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44145	Web

02/08/2015	Yes	Debt collection Medical	False statements or representation Impersonated an attorney or official	FL 33414	Web

01/11/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 22042	Web

12/27/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33025	Web	Older American

12/24/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 44060	Web

11/30/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 44118	Web

11/26/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 94579	Web

11/18/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 32707	Web

11/18/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 21228	Web

11/10/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33179	Web	Older American

10/28/2014	Yes	Debt collection Medical	Communication tactics Called outside of 8am-9pm	MI 48127	Web

10/22/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32809	Web

10/19/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	PA 15905	Web

10/16/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32839	Web

10/16/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32839	Web

10/10/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33051	Phone	Servicemember

09/29/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 19135	Web

09/24/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33904	Web

09/19/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 33647	Web

09/17/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	FL 33065	Web

09/16/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OH 44092	Phone

08/24/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OH 44095	Web	Older American

08/09/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33067	Web

08/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 48134	Referral

07/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48141	Web

07/01/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 44107	Phone

06/25/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 27409	Web

06/14/2014	Yes	Debt collection Medical	False statements or representation Impersonated an attorney or official	OH 44667	Web

06/10/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48047	Web

05/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10705	Postal mail

05/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33410	Web	Servicemember

05/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33064	Referral

05/03/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32805	Web

04/23/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	OH 44485	Web

04/18/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	FL 32277	Web

04/09/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	OH 44108	Web

03/20/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33015	Postal mail

03/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32839	Web

02/21/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75501	Web

02/10/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 44070	Web

01/31/2014	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	PA 18102	Web

01/23/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OH 44124	Web

12/14/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11566	Web	Older American

10/29/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33138	Referral

10/24/2013	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NC 28173	Web	Servicemember

08/23/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33133	Referral

08/16/2013	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	FL 33884	Web